Juvenile Diabetes & ...

[Sherd]

I have a 57 year old lady with insulin pump. She ws diagnosed with diabetes as a child, and has current heart related problems. Is guaranteed issue her only choice?

thanks for any and all help
sherd

 

[TwiLight]

Americo does not ask about insulin. As long as there are no other complications from diabetes and health is good you get immediate coverage on the FE product.

If HT/WT is an issue along with other health issues than that is a different story.

 

[WinoBlues]

I have a 57 year old lady with insulin pump. She ws diagnosed with diabetes as a child, and has current heart related problems. Is guaranteed issue her only choice?

thanks for any and all help
sherd

That is kinda broad. What kind of problems and time lines?

 

[Sherd]

That is kinda broad. What kind of problems and time lines?

Heart: previous 3 stints 4 or 5 years ago. Current medicine treatment for new blockages diagnosed in the past month.

diabetes: on insulin since 13yo. currently on insulin pump.

h/w about 5ft 105lbs

 

[Rearden]

Look at UHL. Everything else will be graded or ROP.

 

[Cory]

If that's what you do know... imagine what you don't. May have to go with guaranteed issue and start the clock on the benefit period.

 

[Sherd]

If that's what you do know... imagine what you don't. May have to go with guaranteed issue and start the clock on the benefit period.

That's pretty much it. She is a family friend.