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That's what it says in the UW Guide. I've learned that we can never be sure of anything.
That's exactly what I pointed out. Who knows. Worse thing that can happen is they decline. Worth a shot
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That's what it says in the UW Guide. I've learned that we can never be sure of anything.
That's exactly what I pointed out. Who knows. Worse thing that can happen is they decline. Worth a shot
That's what pisses me off, you talk to 2 different UW's and you get 2 different answers. It happens with Med Supps too.
Are we sure? Had a case knocked down just for taking eliquis. Client didn't have any diabetes either
I argued and was told in writing from Rose (someone high up in underwriting) that Eliquis Is automatic modified. That was when the changes were rolled out.
Maybe someone else can clarify
Unless they have more than one Rose there, she knows nothing of underwriting. She's not even in that department.
IF they accepted, I would tell the client to consider some sort of combination. Cut his term face value down to 10k for 2 years and swallow the extra premium for instance. He's going to be on an escalation schedule anyway but at least you can put a finite timeline on it.
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Btw, I disagree with "get paid". We are here to do the right thing by the client no matter what. I recently helped a couple turn their AARP NY Life into WL because there was no better option...BUT it was the right thing to do and the best advice they received in years. I made no money but they appreciated the help and I still do quite well regardless.