Options for Diabetic with Heart Stents

[inreverse]

age 57,diabetic after age 50, insulin dependent, 50 units per day, heart attack over 5 years, heart stents, over 2 years.
I doubt day 1 coverage, possible graded?

 

[jdeasy]

age 57,diabetic after age 50, insulin dependent, 50 units per day, heart attack over 5 years, heart stents, over 2 years.
I doubt day 1 coverage, possible graded?

Immediate coverage with many companies, 5 Star, Foresters, AmCon, RNA once the stents are over 36 months.

I'm sure there are many more. Those are just off the top of my head. Scratch AmCon, just noticed the over 40 units of insulin.

 

[Todd King]

American Memorial should take him as level.

 

[RBHAGENT]

Immediate coverage with many companies, 5 Star, Foresters, AmCon, RNA once the stents are over 36 months.

I'm sure there are many more. Those are just off the top of my head. Scratch AmCon, just noticed the over 40 units of insulin.

5 star would be my first choice in this scenario. Am Cont is a good second but you can get a better commission with 5 star most likely. I haven't used RNA, so I have no input there.

Jdeasy, should I be carrying RNA???

 

[coloradoseniormarket]

5 star would be my first choice in this scenario. Am Cont is a good second but you can get a better commission with 5 star most likely. I haven't used RNA, so I have no input there.

Jdeasy, should I be carrying RNA???

RNA is one of my main carriers.

 

[TDFnCali]

RNA is one of my main carriers.

RNA is my main company....followed NOW by Monu & Americo. Foresters & UHL are for unique situations only!

 

[jdeasy]

5 star would be my first choice in this scenario. Am Cont is a good second but you can get a better commission with 5 star most likely. I haven't used RNA, so I have no input there.

Jdeasy, should I be carrying RNA???

RNA wouldn't be good in this case because they ask 3 year to get immediate coverage. AmCon is no good because of the insulin over 40 units.

But, yes, for most other situations you should have RNA. Nothing wrong with 5 Star though. The RNA rates and 5 Star rates are going to be close.

 

[Newby]

This is definitely one of the good cases for American Memorial.

He will get 1st day full coverage at Standard rate with them. No other company will offer him that. Rates are high but they are the only company that will take him with no grading.

They also pay the best commissions in the FE industry so that's not a bad thing either. Renewals never end or reduce.
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This is definitely one of the good cases for American Memorial.

He will get 1st day full coverage at Standard rate with them. No other company will offer him that. Rates are high but they are the only company that will take him with no grading.

They also pay the best commissions in the FE industry so that's not a bad thing either. Renewals never end or reduce.

You can also write the app TODAY with them and send your contracting in with the app.

 

[jdeasy]

This is definitely one of the good cases for American Memorial.

He will get 1st day full coverage at Standard rate with them. No other company will offer him that. Rates are high but they are the only company that will take him with no grading.

They also pay the best commissions in the FE industry so that's not a bad thing either. Renewals never end or reduce.
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You can also write the app TODAY with them and send your contracting in with the app.

What are you seeing there that makes 5 Star not take him?

 

[Newby]

What are you seeing there that makes 5 Star not take him?

You're right. I thought the heart stents were more recent.

Sorry Am Mem Standard. 5-Star will be a MUCH lower premium.

You can't get them past JD Easy.