I have an underwriting cheat sheet I put together with conditions and each carrier's policy. In MS/AL the first thing I ask for is if they have diabetes, and then heart conditions.
An example:
PALIC – decline insulin dependent in last 5 years
Cigna – decline 50+ units w/ neuropathy, retinopathy, vascular dz, HTN tx w/ 2+ meds
It ain't pretty, but all the carriers are there, I can whittle it down a lot from those.
An example:
PALIC – decline insulin dependent in last 5 years
Cigna – decline 50+ units w/ neuropathy, retinopathy, vascular dz, HTN tx w/ 2+ meds
It ain't pretty, but all the carriers are there, I can whittle it down a lot from those.
