Need Some Carrier-Selection Help For This Case...

[Full Throttle]

Yes. Most of the FE carriers would do immediate coverage. Barring any other health problems, of course.

I was looking at the American Continential application and he can truthfully answer no to all the questions. Would they be likely to see that he was declined in the MIB report with a high A1C level and still decline him (or at least ask more questions)? Or does he automatically qualify if he answers the questions as no. I just want to make sure I don't set an expectation that is unlikely to come true.

 

[jdeasy]

I was looking at the American Continential application and he can truthfully answer no to all the questions. Would they be likely to see that he was declined in the MIB report with a high A1C level and still decline him (or at least ask more questions)? Or does he automatically qualify if he answers the questions as no. I just want to make sure I don't set an expectation that is unlikely to come true.

If he can answer no to all the questions he will get covered. They don't ask about a decline elsewhere. Same with most FE companies. Some do ask about a decline or rating such as UHL, 5 Star and Oxford. If they ask, it's a no go.

AmCon is one of my favorite companies to write, but they can certainly be beat on price.

 

[Full Throttle]

If he can answer no to all the questions he will get covered. They don't ask about a decline elsewhere. Same with most FE companies. Some do ask about a decline or rating such as UHL, 5 Star and Oxford. If they ask, it's a no go.

AmCon is one of my favorite companies to write, but they can certainly be beat on price.

I take it RNA would be the same way, if the questions are no, it's approved? I was looking at RNA as an option, but I'm not sure how he would answer the question, "Been advised to have a diagnostic test not yet completed?" The life paramed showed he had undiagnosed diabetes, I'm not sure if he would have to answer yes to that question as the company recommended he see his doctor. American Continential doesn't have that question and that's why I was looking at them.

JDeasy, thanks for your help.

 

[jdeasy]

I take it RNA would be the same way, if the questions are no, it's approved? I was looking at RNA as an option, but I'm not sure how he would answer the question, "Been advised to have a diagnostic test not yet completed?" The life paramed showed he had undiagnosed diabetes, I'm not sure if he would have to answer yes to that question as the company recommended he see his doctor. American Continential doesn't have that question and that's why I was looking at them.

JDeasy, thanks for your help.

RNA would give you an answer at POS on the phone interview. You might want to do that and if it's a no go then do the AmCon.

I'm not sure on how he should answer the question you referenced. He would need to answer honestly, but I wouldn't know whithout having more info what the honest answer is.

RNA will do the MIB and RX check while you are on the phone.

 

[Migshannon]

Full Throttle! Jody is not helping you out here. You were on the right path with American continental not RNA. With American continental you can give your client up 35k, oh yea american continental no MIB no scrip check either.

Shannon Davey
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Jody, you said American continental was one of your favorite companies to write but texas department of insurance says your not even appointed to write American continental.

Shannon Davey

 

[TDFnCali]

Full Throttle! Jody is not helping you out here. You were on the right path with American continental not RNA. With American continental you can give your client up 35k, oh yea american continental no MIB no scrip check either.

Shannon Davey
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Jody, you said American continental was one of your favorite companies to write but texas department of insurance says your not even appointed to write American continental.

Shannon Davey

Shannon, if you are referring to JDeasy...thats NOT Jody! JD is John D with EFES under Travis, not to be confused at all with Jody, FYI!!

 

[jdeasy]

Full Throttle! Jody is not helping you out here. You were on the right path with American continental not RNA. With American continental you can give your client up 35k, oh yea american continental no MIB no scrip check either.

Shannon Davey
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Jody, you said American continental was one of your favorite companies to write but texas department of insurance says your not even appointed to write American continental.

Shannon Davey

You calling me jody?? I don't know how jody feels about that since you trained jody, but I think it's funny.

As far as this client, RNA would be a much better deal for him if he can qualify. If not, then AmCon would be great.

 

[Migshannon]

Apologies!!! That the funniest ever!!! I'm sure I will be hearing about it all day tomorrow.

Shannon Davey

 

[jdeasy]

Apologies!!! That the funniest ever!!! I'm sure I will be hearing about it all day tomorrow.

Shannon Davey

It's all good. There was a nother poster here that thought I was jody, too. he does still post here from time to time.

 

[Newby]

It's all good. There was a nother poster here that thought I was jody, too. he does still post here from time to time.

Hell I thought you WERE Jody! You mean I've been stealing technique from just some jack leg wannabee?

Who are you? And where did you put Jody's remains?