Insurance On Cirrhosis

Discussion in 'Life Insurance Forum' started by jemelton, Apr 8, 2011.

  1. jemelton
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    jemelton Well-Known Member

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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
     
  2. VolAgent
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    VolAgent Well-Known Member

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    Re: Cirrhosis

    What does the doctor's notes say? Any time frame given?
     
  3. Fisher
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    Fisher Well-Known Member

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    Re: Cirrhosis

    Bingo!
    ....
     
  4. VolAgent
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    VolAgent Well-Known Member

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    Re: Cirrhosis

    White lab coats have been known to cause the death of many life insurance sales.
     
  5. LGilmore
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    LGilmore Well-Known Member

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    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.
     
  6. jemelton
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    jemelton Well-Known Member

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    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)
     
  7. Fisher
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    Fisher Well-Known Member

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    Re: Cirrhosis

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

    What company?
     
  8. mustfastpitch
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    mustfastpitch Well-Known Member

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    Re: Cirrhosis

    Better they hear the decline before the application then after the death claim.
     
  9. stevenricherd
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    stevenricherd Member

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    I searched a lot of sites for the insurance cover for the cirrhosis, and found nothing, it should be taken as the critical condition my opinion.

    commercial liability insurance
     
    Last edited: Apr 25, 2011
  10. pdoyle
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    pdoyle Well-Known Member

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    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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