Rated up for being in to good of shape?

Dec 21, 2006

  1. Golddoor
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    I had a client of mine whom I wrote an app for with Unicare and he in 6'1 240 pounds and all muscle with not a inch of fat any where and yet they rated him up as obese. Now what do I tell the client? Im sure he is going to tell me to take the policy and shove it you know where. Ahhh the crazy world of insurance companies!!
     
  2. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    You might want to call and recheck that.....here is the H/W GUIDE....

    [​IMG]
     
  3. Golddoor
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    Ok I get it. they rated him as overweight not obese but he also smokes so they gave him a 40% rate up from both the weight and tobacco.
     
  4. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    CHUCHING......I would write him with Aetna.....they do not rate for smokers.....
     
  5. Golddoor
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    Wow that interesting. I never new that! Thanks Sti!
     
  6. taterpeeler
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    Incorrect Sti... Aetna rates 25 points for puff puff
     
  7. Crabcake Johnny
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    Not in MD - smokers are standard.
     
  8. STIBROKER
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  9. taterpeeler
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    Well... Hate to tell you this........ Your rate is wrong.... 25% load for smoker, just read the underwriting guide
     
  10. taterpeeler
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    I looked on the rate sheet and could not find it... I called underwriting and also have about 200 cases with Aetna.... they have always reted up for smoking and they said they rate up for smoking in Texas.... but I'm leaving town so dont have time to jack with it
     
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