Insurance On Cirrhosis

jemelton

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Would you consider it a terminal illness?

Client has stage 1 cirrhosis, application asks "have you been diagnosed with a terminal illness?" What are your thoughts
 
Re: Cirrhosis

"Would you consider it a terminal illness?"

Doesn't matter what we say, you must ask the gods. Aka Underwriters. With many companies you can look up automatic declines before the conversation.
 
Re: Cirrhosis

There has been no timeframe given and no guidelines that it is an automatic decline..........it is a graded policy.

I specifically asked the wife "have they told him that it is terminal" and she said no.

I'm thinking it will be ok but there is no phone interview and the underwriting will be done on the backend (which scares me always)
 
Re: Cirrhosis

Answer the app questions truthfully and don't play the 'what-if' game. 'Terminal' has a timeframe.

What company?
 
Re: Cirrhosis

Better they hear the decline before the application then after the death claim.
 
stage one can possibly get an offer.
If he still drinks alcohol it's a decline for sure.
When was he diagnosed?
Can you get a copy of his last couple of labs?
 
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