Kidney Transplant

[csyjnapapa]

I have a client that had a kidney transplant and pancreas transplant two years ago and is looking for life insurance. Any carriers willing to accept this person? Still taking anti rejection medications. Any help or suggestions would be appreciated.

 

[Mattschmidt]

I'm guessing only modified/graded Final Expense products.

 

[jdeasy]

I have a client that had a kidney transplant and pancreas transplant two years ago and is looking for life insurance. Any carriers willing to accept this person? Still taking anti rejection medications. Any help or suggestions would be appreciated.

Call up MoO or find a Vantis agent.

 

[Rearden]

Call up MoO or find a Vantis agent.

2nd this.......................

 

[AllGold]

Also Standard Life (SLAICO) graded.

 

[WinoBlues]

I have a client that had a kidney transplant and pancreas transplant two years ago and is looking for life insurance. Any carriers willing to accept this person? Still taking anti rejection medications. Any help or suggestions would be appreciated.

If >24 months United Heritage.

Note: I do not know if they are in your state.

Lee

 

[Cory]

May want to consider (if it fits) getting guaranteed issue product (Presidential) like Matt said to start the clock on the 2-3 year wait them perhaps you can rewrite later.

 

[WinoBlues]

May want to consider (if it fits) getting guaranteed issue product (Presidential) like Matt said to start the clock on the 2-3 year wait them perhaps you can rewrite later.

Per the UH app it is full coverage day one. I may quote it graded and if it comes in std raise the face to match the premium.

 

[Daytona_Guy]

I have a client that had a kidney transplant and pancreas transplant two years ago and is looking for life insurance. Any carriers willing to accept this person? Still taking anti rejection medications. Any help or suggestions would be appreciated.

The way I read it, Monumental Life would cover this person as Standard. The kidney disease treatment in the past four years would relegate it to Standard instead of Preferred. The pancreas is not addressed. The sticker is a PENDING transplant.

I would run it by them to make sure the anti-rejection drugs are not on their naughty list. If you need their contracting, it's here.


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[Rearden]

Anti-rejection drugs ARE on the naughty list.

Your client will be issued as Graded -- 2 Year Return of Premium.