Quick Diabetic ?

[torri]

Received call today would like for FE policy for father double amputee one leg done and one leg to be amputated next month. She says he is diabetic but not on insulin. Does this sound right? If who will take him? (68 NS)

 

[WinoBlues]

Vantis. However, I personally would not use them on this one. Due to the two year change back factor. Best for them may be a pre need. Others may have better advice.

 

[Cory]

Tough one... guaranteed issue like Presidential. Like some there is a 2-3 year wait period if you think it is realistic. Depending on their financial position whether can pay up front or monthly? If monthly can get a guaranteed issue, but depends on what his expectations or on longevity. Just another option...

FYI...had an existing client contact me two weeks ago about his sister diagnosed with terminal cancer and after talking through it (unfortunately) her time is limited so it didn't make sense.

 

[torri]

Vantis. However, I personally would not use them on this one. Due to the two year change back factor. Best for them may be a pre need. Others may have better advice.

He should qualify for Modified policy I hope. Looking at Amer Cont. Vantis is worse case and last option. Don't think Vantis is necessary.

 

[jdeasy]

He should qualify for Modified policy I hope. Looking at Amer Cont. Vantis is worse case and last option. Don't think Vantis is necessary.

How would Vantis be worse than AmCon's ROP? Or even MoO?

All three are basically the same thing. Which one is priced best for the person?

 

[torri]

How would Vantis be worse than AmCon's ROP? Or even MoO?

All three are basically the same thing. Which one is priced best for the person?

Is Degraded any option?