New UW Guidelines For Transamerica 08/15/23

[Baseball7]

With next generation underwriting, the application almost doesn't matter anymore.

They change things behind the scenes on a pretty regular basis in the industry, without refiling the product and changing out the application.

For example, Sentinel Security, by the book should take oxygen graded…. they do not. They made a undercover change properly reflected in Toolkit, but without changing the application.

 

[goillini52]

With next generation underwriting, the application almost doesn't matter anymore.

They change things behind the scenes on a pretty regular basis in the industry, without refiling the product and changing out the application.

For example, Sentinel Security, by the book should take oxygen graded…. they do not. They made a undercover change properly reflected in Toolkit, but without changing the application.

I'm on oxygen and was issued a graded policy with Sentinel. When did they change?

 

[Baseball7]

Within the last few months

 

[noah]

Hard as heck to believe Chf standard . In the old days Aetna took Chf standard. Never seen a company since take standard . Wheres the app ?

Login to ANI: Go to:
Product Information
Final Expense
Click search
Look in the newest Agent Guide

Tells you right there.

 

[jdeasy]

Login to ANI: Go to:
Product Information
Final Expense
Click search
Look in the newest Agent Guide

Tells you right there.

And what is tells you is not how it works in practice.

 

[noah]

Lupus Preferred
Dialysis Standard
Stroke Standard
Heart Disease Standard (includes stents,heart attack,hear valve replacement)
Marijuana Use Preferred
(See Todd King for contracts and best agent support)

 

[jdeasy]

Lupus Preferred
Dialysis Standard
Stroke Standard
Hear Disease Standard (includes stents,heart attack,hear valve replacement)
Marijuana Use Preferred (See Todd King)

That's what it says. It's not going to happen.

 

[goillini52]

Within the last few months

No, several years ago.

 

[goillini52]

Marijuana Use Preferred (See Todd King)

Are you saying that Todd's a pothead?

 

[DonP]

Lupus Preferred
Dialysis Standard
Stroke Standard
Hear Disease Standard (includes stents,heart attack,hear valve replacement)
Marijuana Use Preferred
(See Todd King for contracts and best agent support)

Dialysis's standard ????? Lmao Lmao . Hell Gi really doesn't want dialysis. Write a few dialysis and check the box and see if they get issue standard . Better yet see if claim paid .