SNL Graded Typical Cases

[EasternShore]

Once again I bring a noob question to the forum... What medications or health conditions do you typically encounter that disqualify a client from SNL preferred or standard, but qualify them for graded? It seems like most of the non-preferred cases I encounter would be declined so I end up having to go with Gerber GI. I'd like to use SNL graded when possible but haven't figured out where that middle ground is, and obviously don't want clients getting declined. Thanks!

 

[Rearden]

It's good to have niche carriers on hand like United Heritage, Foresters, Americo, and Transamerica to cover the easy-to-cover issues that SNL grades like mental issues, COPD, blood thinner usage, etc.

 

[sirherbie]

The middle ground for Snl graded is oxygen,heart attack or cancer the last yr that is no longer present.A combo of all the above but no more than 3 yes's. Pretty much the only time to use Gerber is present cancer,heart surgery's the last yr or memory problems. Also smokers much cheaper with gerber. Most cases can go with snl

 

[John Galt]

Once again I bring a noob question to the forum... What medications or health conditions do you typically encounter that disqualify a client from SNL preferred or standard, but qualify them for graded? It seems like most of the non-preferred cases I encounter would be declined so I end up having to go with Gerber GI. I'd like to use SNL graded when possible but haven't figured out where that middle ground is, and obviously don't want clients getting declined. Thanks!

Here let me help you out a little with this, great video below on SNL product line from an agent perspective:

 

[mbiallas]

There are loads of reasons to write the SNL graded plan. Since I started with them I have written very few gi plans. Their app is pretty straight forward. Basically anything on page one (including hospitalization in the past 30 days) knocks them out. On page two there is a misprint so you can have up to three yes answers and still qualify for the graded plan. I'm pretty sure you can even have a fourth yes to the insulin question and still get it approved graded as that question really only pertains to their two level offerings. Maybe Tommy will jump on here and clear that up.

As an aside I use SNL sometimes when I am running behind schedule and need to boogie because there isn't a phone interview required. Other times I just want to get out of a cat piss smoky trailer and can't stand the idea of another ten minutes there when Foresters may have been a better fit.

Plus they are great to work with...among the best I have experienced. They are friendly and usually easy to reach by phone. They don't beat the agent up with new business nonsense and I haven't had any dumb amendments from them in a long time.

Plus they will work with you on oddball cases. For example I had a case not long ago where the lady takes metformin and gabapentin. Most carriers assume diabetic neuropathy but she had been on gabapentin for years for back pain and only recently became diabetic. I called new business, explained the situation, and they approved her for level.

Now if only they would pay on the policy fee...

 

[bboman23]

There are loads of reasons to write the SNL graded plan. Since I started with them I have written very few gi plans. Their app is pretty straight forward. Basically anything on page one (including hospitalization in the past 30 days) knocks them out. On page two there is a misprint so you can have up to three yes answers and still qualify for the graded plan. I'm pretty sure you can even have a fourth yes to the insulin question and still get it approved graded as that question really only pertains to their two level offerings. Maybe Tommy will jump on here and clear that up.

As an aside I use SNL sometimes when I am running behind schedule and need to boogie because there isn't a phone interview required. Other times I just want to get out of a cat piss smoky trailer and can't stand the idea of another ten minutes there when Foresters may have been a better fit.

Plus they are great to work with...among the best I have experienced. They are friendly and usually easy to reach by phone. They don't beat the agent up with new business nonsense and I haven't had any dumb amendments from them in a long time.

Plus they will work with you on oddball cases. For example I had a case not long ago where the lady takes metformin and gabapentin. Most carriers assume diabetic neuropathy but she had been on gabapentin for years for back pain and only recently became diabetic. I called new business, explained the situation, and they approved her for level.

Now if only they would pay on the policy fee...

Yes you can have 4 yes answers if 2 of them are the insulin ones.

 

[sirherbie]

Yes SNL is very easy to work with . I had someone on an inhaler for mucus even though it was on the graded list and they approved level. Not paying commish on the policy fee takes comp down 5%.But ease to work with is well worth it

 

[Rearden]

Yes SNL is very easy to work with . I had someone on an inhaler for mucus even though it was on the graded list and they approved level. Not paying commish on the policy fee takes comp down 5%.But ease to work with is well worth it

Do note that you are getting an effective 10% increase in commission in the form of a lead co-op bonus if you do a meagerly 1000AP in issue-paid business.

 

[HoosierLife]

I keep getting rated up with SNL lately. Usually from std to graded for an inhaler, I assume.

And a bunch from Graded to MIB. So for the near future, they'll only get sent graded that can answer 2 questions yes.

 

[sirherbie]

Standard to graded?You mean preferred to graded?If the inhalers for any type of lung disorder it is graded. What's causing the graded to mib?