Most liberal UW for 20 year term, previous decline

[Meghan28]

I have a somewhat healthy 57 year old who is looking for a 20-30 year term policy. Problem is she has been turned down twice already. They say it is due to a medicine she was prescribed once a few years ago. However the insured does not have any idea what medicine and doesn't think she was given anything else.
The insured wants non-medical, no paramed, etc. So, who would you guys recommend as the most liberal in underwriting to get this approved? TIA

 

[billyb]

She probably has 2 MIB hits and until she can get that corrected it will probably another decline.

 

[WinoBlues]

Based on the information you provided we have zero recommendations.

SITerm, UHL

 

[NewbieNewbie]

Based on what she is saying. She is likely lying to you.

 

[Tahoe Ray]

Everyon

I have a somewhat healthy 57 year old who is looking for a 20-30 year term policy. Problem is she has been turned down twice already. They say it is due to a medicine she was prescribed once a few years ago. However the insured does not have any idea what medicine and doesn't think she was given anything else.
The insured wants non-medical, no paramed, etc. So, who would you guys recommend as the most liberal in underwriting to get this approved? TIA

I can't think of any who aren't going to run a script check.

BUT, she can actually request her history from Milliman IntelliScript (For Consumers | Milliman IntelliScript) so that you can figure out what drug might be the issue.

Believe it or not, there can be mistakes in it. I just had a case last month that was rated due to medications and two of them were wrong. Once we got it corrected (through her doctor), it was issued preferred.

Good luck.

 

[Todd King]

I have a somewhat healthy 57 year old who is looking for a 20-30 year term policy. Problem is she has been turned down twice already. They say it is due to a medicine she was prescribed once a few years ago. However the insured does not have any idea what medicine and doesn't think she was given anything else.
The insured wants non-medical, no paramed, etc. So, who would you guys recommend as the most liberal in underwriting to get this approved? TIA

If worse comes to worse, we have a 5 year renewable term product that is GI. Call us if you need it.