Wrote a man with Transamerica who fell and busted his skull on a hardwood floor about 10 years ago. Had a stroke and still has a seizure now and then. He takes sezure drugs and Coumadin. He told me he had taken the Coumadin for less than 2 years so I quoted standard. The underwriter asked me first why I quoted standard. Then later she asked me why he took Coumadin. Now I see that it is issued preferred. This man has been declined by several carriers so I am surprised.
Issued Preferred Instead of Standard
- Thread starter billyb
- Start date
- 16,876
You should not have written Standard. That is a Prefered case all day long unless he has more than 12-seizures per 24-months.
- Thread starter
- #4
Maybe I am reading it wrong. My RX guide states if Coumadin has been taken for less than 2 years it is standard. He had a stroke years ago so maybe they are saying if the date of his stroke was over 2 years it is preferred no matter how long he has taken Coumadin?
///MJay
Expert
- 96
Is this FE? Or another life product?
- Thread starter
- #6
Coumadin/Warfarin is based on date of incident. which in your case was 10 years ago. so the answer to this is that the date of occurence was over 2 years ago, even though the script is recent.
- 3,989
Have seen them take some pretty outlandish cases but then watch them ordered and phone interview and attending physician statement on a nine-year-old.
- Thread starter
- #9
