SIWL for Multiple Sclerosis
- Thread starter torri
- Start date
Probably none in the FE arena. Graded would be the best you could hope for. However, depending upon the exact circumstances, you might be able to accomplish immed coverage with a fully u/w SPWL product.
So here is what needs to be disclosed:
Age now and age at diagnosis:
How long ago onset of MS: recent to 2 yrs is more difficult, 3 to 5 yrs more doable, and onset of 6 yrs and longer the risk is lower.
Frequency of attacks from MS:
Overall health condition outside of the disease; meaning other med conditions, meds, etc:
What amount of deposit or face amount are they interested in...? If we are talking small means here then I wouldn't fool with it based on this, but if they are capable of making a larger deposit and looking for a higher face amount then it would deserve some further study.
If they were in reasonably decent health outside of the MS, meaning few other complications, and disease was diagnosed 5 or more yrs ago, you might be surprised at what they might qualify for with fully u/w SPWL.
- 19,638
Right off the top of my head I can say that RNA, Americo and LH will do immedaite coverage depending on when diagnosed and if on any treatment.
I sure there are many others that will do immedaite coverage for MS.
- Thread starter
- #4
I know RNA would be graded based upon question 9. Was diagnosed 3years ago. taking avonex
If there are not other health issues beyond the MS, you could be looking at a Table 4 rating, in other words double the std rate, on a fully u/w product, and this would be immediate covg.
- 397
Monumental will give level benefits at a standard premium assuming no other issues.
- 687
Foresters will give immediate coverage at level.
