Florida resident 58 year old male who uses smokeless tobacco. Has COPD. Had an ablasion almost 3 years ago to stop AFIB, but still takes medications that would indicate he still has a problem. He told me he only took Warfarin and Lasix. Called Americo and they said no thanks. Submitted to Transamerica and they offered GDB. The underwriter states he takes a few more medications than he told me about. The least expensive option is Gerber ROP. Anything I am missing? What about Liberty Bankers standard?
I need your help with a case in Florida
- Thread starter billyb
- Start date
- 3,990
That should be standard with liberty. If they won’t take it standard then it goes guaranteed issue across the board.
- 6,142
I am not looking at RX guides or cheat sheets, but I would try LBL standard or even RNA graded. Doesn't care about AFIB, COPD is graded...Better than GI.
- 3,990
Forrester‘s would likely except that as graded as well because they don’t ask about a fib and COPD is graded with them
No Oxygen for the COPD? If so he should qualify for National Security's EZ life.. Graded that pays 35% of face 1st year, 70% second yer then 100% for natural death. Accidental is always full face.. $10K is $56.45...
- Thread starter
- #6
- 18,984
Instead of calling all these companies and asking for permission from some *** that's never written an application, why not just write the applications?
tribetime32
Guru
- 377
LBL standard would be my go to and then from there a GI carrier. Good luck!
Why go GI if there are options that will provide better coverage available?
tribetime32
Guru
- 377
You're right. I'm sure there are some graded options as well
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