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If all else fails American Memorial would take them even if the stent was placed last week.
Running Out of Time...Declined Once Did Not Try Again
- Thread starter Colemind
- Start date
I have a client who has some health challenges. They don't smoke,but have HBP, stent over 5 years ago, and takes insulin. Should I just go to GI or is there a company that will approve them that have lenient UW (underwriting) and premiums are reasonable. My client already understands premium will be in the 3 digit range b/c of their age and they are willing to pay the premium.
Can I get some good suggestions please?
3 digit range ok with her? American Memorial is your go to for that.
- Thread starter
- #13
Colemind
Expert
Remember I'm only contracted with 3 fraternal companies. I would have to get contracted with the companies that's been suggested so far. I might as well go GI with this client.
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I appreciate the suggestions, but I'm in firm that's not strictly FE and we don't have American Memorial. I would probably need to get contracted with a firm that's strictly FE that offers American Memorial.
Will American Memorial approve this client as standard and graded or modified?
- 1,206
Sure you should. Then pm her address so you can get replaced.
Unless she is on nitro, had kidney failure or dementia there is a very rare possibility this should go to GI.
- Thread starter
- #15
Colemind
Expert
No, dememtia, kidney failure, she's not on nitro.
- 1,206
What fraternal are you contacted with? And why do you only contact with rraternals
- Thread starter
- #17
Colemind
Expert
I have contracts with Fraternal companies b/c that's what I was trained on and I did not know about any other excellent companies to get appointed with, but that's about to change. I'm actually getting appointed with a few non-fraternal companies.
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