- 742
Thanks! We have some bright minds over here--I will share this compliment with them! Not trying to blatantly recruit, but add yourself to our email list--we send out very comprehensive underwriting studies with supporting docs regularly.
Male 65 $500,000 History Prostate Cancer
- Thread starter proadvisors
- Start date
Thanks! We have some bright minds over here--I will share this compliment with them! Not trying to blatantly recruit, but add yourself to our email list--we send out very comprehensive underwriting studies with supporting docs regularly.
- 717
You need to ask your client:
What Stage was his prostate cancer?
What was his Pre-Treatment PSA level?
What was his Gleason Score?
If he was a stage 1 or low stage 2 prostate cancer with a pre-treatment psa of 20 or less and a Gleason score of 6 or less, Prudential will take him at their "standard plus" rates.
What Stage was his prostate cancer?
What was his Pre-Treatment PSA level?
What was his Gleason Score?
If he was a stage 1 or low stage 2 prostate cancer with a pre-treatment psa of 20 or less and a Gleason score of 6 or less, Prudential will take him at their "standard plus" rates.
- Thread starter
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Pre treatment was 27.9
- 8,707
You do realize you were the last poster to this thread back 7 months ago...Do you post anything other than Lifeagain?
- 30,257
The mods must've deleted his posts. That's pretty much what he posted about along with cancer and hepatitis.
I am primarily interested in medical risks that result in declines or are very hard to place and require a large flat extra.
Unfortunately, there is a lot of out-dated and misleading information on these threads with respect to underwriting criteria.
Regardless of how old the last post is, it is still on the internet. Lots of people use old threads to research information. It is helpful to have accurate information.
Surprising how people who have no interest in the topic jump on to complain about posting on an old thread.
Unfortunately, there is a lot of out-dated and misleading information on these threads with respect to underwriting criteria.
Regardless of how old the last post is, it is still on the internet. Lots of people use old threads to research information. It is helpful to have accurate information.
Surprising how people who have no interest in the topic jump on to complain about posting on an old thread.
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- 25,900
They are not complaining about posting information, They are complaining about spam. Other than spamming your company do you have information to add? That would be great. I for one would like more information on medical risk. What chu got?
- 8,707
On reason is many of us hit the new post button and suddenly see 10 old posts pop up with essentially the same spammy post and the reason the info is out of date is because it is an old post that how come a carrier like US Financial could be mentioned and it no longer exist.
Spam are indiscriminate bulk messages. I haven't posted anything that was indiscriminate, off topic, or bulk.
Prostate cancer is a medical risk, when we talk about the underwriting criteria for prostate cancer we are talking about medical risk. Same as with HIV, Hep-C, multiple sclerosis, etc.
With respect to out-dated and misleading information, many people on these threads are under the impression that they can't get fully underwritten coverage until they have been successfully treated and then after a waiting period. And they post that advice. It is wrong advice but I only know one company that will place the case.
Let me put it this way, every prostate cancer case I have placed, the client went to another agent first and was told that there was nothing they could do.
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I am interested in the fate of US Financial however. Even if it is old news to you, it is new to me and I am interested in their business model.
Prostate cancer is a medical risk, when we talk about the underwriting criteria for prostate cancer we are talking about medical risk. Same as with HIV, Hep-C, multiple sclerosis, etc.
With respect to out-dated and misleading information, many people on these threads are under the impression that they can't get fully underwritten coverage until they have been successfully treated and then after a waiting period. And they post that advice. It is wrong advice but I only know one company that will place the case.
Let me put it this way, every prostate cancer case I have placed, the client went to another agent first and was told that there was nothing they could do.
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Sorry, I didn't know about the new post button and that my posts would make an obnoxious splash.
I am interested in the fate of US Financial however. Even if it is old news to you, it is new to me and I am interested in their business model.
- 25,900
I do not know the answer, however, if it was because of agents loading them up with high risk, then adverse selection. Should add, agents like me.
