Wrote an app on a 69 m NTU- insulin diabetic no complications or neuropathy - nitro. (refilled last year ) used a couple years ago(unsure if he used it in recent 24 months. Had a quad bypass in 01 - surgery to fix everything. Currently taking Amlodipine and HCTZ. Metoprolol .atorvastatin ...says no angina recently but his Nitro script has 1 of 2 refills left and expires 05/2017 .
So , I wrote him Trans standard . I figured foresters or Oxford would had declined because of the nitro .... He has been approved by Trans and I am awaiting the policy delivery .
My client called and just told me another agent (who called him up, referred by a friend) just got him approved with Oxford ... Turns out , My client , gets his meds through the VA - he's a vet. Nothing popped up on the PHI using Oxford .
Is this OK ?
My concern is that if he dies in the first 2 years , this policy won't pay ( with Oxford )... He is waiting until we review both policies side y side before we choose which is best for him .
Thoughts ?
Oxford - 6k $40 /mo
Trans - 4K 43/mo
So , I wrote him Trans standard . I figured foresters or Oxford would had declined because of the nitro .... He has been approved by Trans and I am awaiting the policy delivery .
My client called and just told me another agent (who called him up, referred by a friend) just got him approved with Oxford ... Turns out , My client , gets his meds through the VA - he's a vet. Nothing popped up on the PHI using Oxford .
Is this OK ?
My concern is that if he dies in the first 2 years , this policy won't pay ( with Oxford )... He is waiting until we review both policies side y side before we choose which is best for him .
Thoughts ?
Oxford - 6k $40 /mo
Trans - 4K 43/mo