I wrote a 51FT last week with COPD. Looked at a meds and all were OK in an old Americo guide that I had so I submit. Offer is UPIII due to RX check. Call the company at her home and was told they can't tell me or her and was told to call Intelliscript. Do so and they tell us to call the company. How do you know how to proceed if you don't know what the issue is? Wrote her Transamerica and am hoping for standard tobacco. She has a Globe policy that she will keep if I am unsuccessful.
Another case was a 68MT with COPD. Couldn't write him with Americo because I was told he was to skinny. LBL and Transamerica were too expensive so I called GW and was told it would be a level benefit. Issued ROP and was told to call underwriting and they would tell me and him why. Drive all the way to see him and call the number in the policy that he received. The message said to leave info and they would call back within 3 days. What a joke. He decided to keep his MOO ROP policy that he had just bought.
Some people post and make it sound like this job is so easy, but in my experience you have some good days and some bad days.
Another case was a 68MT with COPD. Couldn't write him with Americo because I was told he was to skinny. LBL and Transamerica were too expensive so I called GW and was told it would be a level benefit. Issued ROP and was told to call underwriting and they would tell me and him why. Drive all the way to see him and call the number in the policy that he received. The message said to leave info and they would call back within 3 days. What a joke. He decided to keep his MOO ROP policy that he had just bought.
Some people post and make it sound like this job is so easy, but in my experience you have some good days and some bad days.
