Organ transplant

[billyb]

Met with a lady who had a lung transplant 9 years ago. She takes 32 pills a day related to this. Said her lung function was about 80%. I wrote her GI, but was just wondering if there is anything better.

 

[Baseball7]

No

 

[HoosierLife]

Great western says over 2 years and no change in meds yes. Prosperity also has a few Rx for transplants that are a knockout but if not taking those it can go through.

 

[Baseball7]

I haven't had a single piece of business with Great western get issued first day coverage since they got bought out.

 

[Life Hawk]

Great western says over 2 years and no change in meds yes.

Once they review that it was a transplant, do you think they would still issue GI?

 

[HoosierLife]

Once they review that it was a transplant, do you think they would still issue GI?

I had one that was issued that way. It was probably 3-4 years ago. Chris is saying they won't issue anything level now.

 

[Baseball7]

I had an underwriter tell me I see he's been on all the same HIV medicine for years but he just recently had a change in his blood pressure medicine. Da ***?

 

[NSRH]

I haven't had a single piece of business with Great western get issued first day coverage since they got bought out.

I have found that most niches Indy agents exploit get outed.

Most carriers think they will get a wide range of clients, but with 80%+ of all final expense being written by Indy agents there is a lot of people only writing certain cases with certain carriers, and this messes with their actuarial tables.