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Anybody have a upper contact # for a mgr at Foresters?
Wrote a guy a policy 2 weeks ago. 68 male non smoker, stopped smoking in 2006
Upfront honest guy and his wifes a real sweetheart. So as I'm doing the presentation and options and he chooses his plan and as I'm filling out the app we get to the coronary question and he tells me he had a stint in 2006, thats not a problem I say because its outside the 2 years the question in Pat B (b) asks. So truthfully we can answer no to that question.
Everything thing looks good, run over the MIB, he signs and were rockin and rollin here as I make the POS aptical
After completing his interview he hands the phone back to me and the interviewer asks me to ask the client again about Part C (c) the COPD/Emphysema questions, he agains says no. Interviewer says based on the interview my client is NOT eligable.. blah blah blah, when do you plan on sending in the blah blah etc
Well, theres a kick in the apple bag.. $176 premium a month.. so I'm clicking the pen, thinking.. WTF? So we start talking and he and his wife deny any COPD. Okay, so we go and order his MIB
Fast forward 10 days later
Client faxes over to me a copy of his MIB
He only has 1 hit one his MIB - And it was in 2006 when he took a medical exam for Woodman and was declined. Woodman reported the stint, hgt wgt and woah! theres the COPD
5. COPD. Symptons and descrpition suggest COPD
Now, one could argue all day about "suggesting" But theres really no need to go down that road becasue you can get immediate coverage as long as its outside of two years and not taking meds or ever been precribed meds, which this report is dated Feb/ 2006
Okay, I'm cool with that.. still its outside the 2 years and he's not taking any meds, nor was he prescribed any meds or advised to take any meds for COPD
Heres how the question reads
Part C (c)
Within the past 2 years, has the proposed insured been diagnoised with, prescribed medication for, or had been advised to have treatment for:
c) COPD or emphysema?
That answer is clearly NO
Because he was diagnoised in 2006. Client has no other reports on his MIB post 2006. Nothing because I have a copy of it.
Client has never had any medications or been advised to have treament for emphysema
Wouldnt the UW's see this on his Rx check?
I cant get a straight answer outta anybody there.. they keep telling me to contact Woodman
Contact them for what ?
The file from Woodman is irrelevent.. that was 5 years ago and outside the 2 years YOUR application asks
First time in my 12 years writing have I ever been so pissed off.. and ya know... it aint really even about the commission... its become more of a matter of principle now.
Based off that question, and his MIB.. he QUALIFIES
Anybody ever have a similar instance?
What would you do?
Anybody got a head person cont # with Foresters?
I'm a pretty resonable guy.. but this guy is getting boned
I'll put him through Monumntal if I have to with higher rates, but this dude is getting fisted
Wrote a guy a policy 2 weeks ago. 68 male non smoker, stopped smoking in 2006
Upfront honest guy and his wifes a real sweetheart. So as I'm doing the presentation and options and he chooses his plan and as I'm filling out the app we get to the coronary question and he tells me he had a stint in 2006, thats not a problem I say because its outside the 2 years the question in Pat B (b) asks. So truthfully we can answer no to that question.
Everything thing looks good, run over the MIB, he signs and were rockin and rollin here as I make the POS aptical
After completing his interview he hands the phone back to me and the interviewer asks me to ask the client again about Part C (c) the COPD/Emphysema questions, he agains says no. Interviewer says based on the interview my client is NOT eligable.. blah blah blah, when do you plan on sending in the blah blah etc
Well, theres a kick in the apple bag.. $176 premium a month.. so I'm clicking the pen, thinking.. WTF? So we start talking and he and his wife deny any COPD. Okay, so we go and order his MIB
Fast forward 10 days later
Client faxes over to me a copy of his MIB
He only has 1 hit one his MIB - And it was in 2006 when he took a medical exam for Woodman and was declined. Woodman reported the stint, hgt wgt and woah! theres the COPD
5. COPD. Symptons and descrpition suggest COPD
Now, one could argue all day about "suggesting" But theres really no need to go down that road becasue you can get immediate coverage as long as its outside of two years and not taking meds or ever been precribed meds, which this report is dated Feb/ 2006
Okay, I'm cool with that.. still its outside the 2 years and he's not taking any meds, nor was he prescribed any meds or advised to take any meds for COPD
Heres how the question reads
Part C (c)
Within the past 2 years, has the proposed insured been diagnoised with, prescribed medication for, or had been advised to have treatment for:
c) COPD or emphysema?
That answer is clearly NO
Because he was diagnoised in 2006. Client has no other reports on his MIB post 2006. Nothing because I have a copy of it.
Client has never had any medications or been advised to have treament for emphysema
Wouldnt the UW's see this on his Rx check?
I cant get a straight answer outta anybody there.. they keep telling me to contact Woodman
Contact them for what ?
The file from Woodman is irrelevent.. that was 5 years ago and outside the 2 years YOUR application asks
First time in my 12 years writing have I ever been so pissed off.. and ya know... it aint really even about the commission... its become more of a matter of principle now.
Based off that question, and his MIB.. he QUALIFIES
Anybody ever have a similar instance?
What would you do?
Anybody got a head person cont # with Foresters?
I'm a pretty resonable guy.. but this guy is getting boned
I'll put him through Monumntal if I have to with higher rates, but this dude is getting fisted
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