supersupps
Guru
- 534
Or that anyone that buys an ltc policy is crazy
Is Wellbutrin(Bupropion) an Auto-decline with Genworth and John H.?
- Thread starter AOKING
- Start date
At the risk of re-opening this thread, I just came across a bi-polar person supposedly well controlled on Abilify, Zoloft, and Lamectil (apparently not just for seizures).
So far, everyone but TransAmerica will auto decline on the use of Abilify (anti-psychotic) or the bi-polar label. MOO, JH, MedA, LifeSecure, GNW all said no. TA says three years stable and then a definite Class 1 maybe.
I am sure his medical records will reveal all sorts of ugly stuff that he will not disclose, but does anyone know of any of the off brand or A++ carriers that would even consider? Not sure if he is an annuity candidate.
Hoping Mr Ed or Jack might have an idea.
Thanks
So far, everyone but TransAmerica will auto decline on the use of Abilify (anti-psychotic) or the bi-polar label. MOO, JH, MedA, LifeSecure, GNW all said no. TA says three years stable and then a definite Class 1 maybe.
I am sure his medical records will reveal all sorts of ugly stuff that he will not disclose, but does anyone know of any of the off brand or A++ carriers that would even consider? Not sure if he is an annuity candidate.
Hoping Mr Ed or Jack might have an idea.
Thanks
Arthur Rudnick
Guru
- 1,652
originally posted by yankee466
Experience has shown me to NEVER trust Transamerica's underwriting department.
Another option would be to tell this guy to give up all his meds for 3 years. Have him lock himself in a closet so he won't hurt himself and then reapply when he's let out.
Just a thought...............
Experience has shown me to NEVER trust Transamerica's underwriting department.
Another option would be to tell this guy to give up all his meds for 3 years. Have him lock himself in a closet so he won't hurt himself and then reapply when he's let out.
Just a thought...............
Tough case, Herman. Have you contacted State Life to explore a linked benefit policy?
Thanks to both for the response. I will re-interview him tomorrow for more health details....and see where it takes us.
- 2,584
What about MedAmerica Simplicity?
Steve, I do not think Medamerica would be a player on this one. It will not underwrite depression where the disorder impacts lifestyle, or where Psychiatrist is seen more often than quarterly. My experience with bi-polar applicants is that lifestyle is impacted almost always.
Even Transitions has "any form of treatment for manic-depression in past 3 years" as a knock out question. Simplicity says no anti-psychotic meds (NI) Flex-care is a "bipolar = NO" like GNW
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