Replacing a Med Supp that is Not Yet in Effect?

finalexpenseguru

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I am replacing a CP (Bankers Life) supp that is scheduled to go in effect 9/1/15 when she turns 65. Technically she is not replacing existing coverage because it is not in effect yet. The question is "do you have existing or in force coverage that you are replacing?" I assume I answer no? Heartland is the carrier I am writing her.
 
great thanks! Makes it easy :) :) She would have paid $102 per mth. Heartland was $75. Also replacing her overpriced BLC life policies.
 
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No replacement needed, But if a replacement was needed its a very powerful too to show same cove but lower premium on replacement form. You can usually always do that against bankers
 
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