How to Avoid APS?

[GTC1]

Are medical records, or Attending Physician Statements (APS) often required with FE cases? I would like to avoid them. What strategies/carriers are available to reduce or even eliminate the need for APS? Thanks!

 

[Rearden]

1) Diligent underwriting.

2) Aetna.

 

[John Galt]

1) Diligent underwriting.

2) Aetna.

Lmao

 

[bboman23]

1) Diligent underwriting.

2) Aetna.

3) working at Walmart

 

[just some f.e.llow]

3) working at Walmart

4) what's APS and would you like to super size your order for only 55 cents more, sir?

 

[John Galt]

4) what's APS and would you like to super size your order for only 55 cents more, sir?

5). Guaranteed issue

Lol

 

[GTC1]

So...simplified issue underwriting for FE cases usually DOES end up with underwriters requesting an APS?

 

[bboman23]

So...simplified issue underwriting for FE cases usually DOES end up with underwriters requesting an APS?

I haven't had one aps this year

 

[Rearden]

So...simplified issue underwriting for FE cases usually DOES end up with underwriters requesting an APS?

Not if you properly field underwrite each candidate.

APS's with simplified issue whole life products usually results when there is something screwy in the MIB.

If you get something screwy on a POS call, then call Aetna and get 'er done.

 

[WinoBlues]

Not if you properly field underwrite each candidate.

APS's with simplified issue whole life products usually results when there is something screwy in the MIB.

If you get something screwy on a POS call, then call Aetna and get 'er done.

That. Just got one for that reason. Add that we are maxing the coverage on an 85 yr old.