STANDARD for Parkinsons?

Discussion in 'Final Expense Forum' started by Labesky, Sep 11, 2017.

  1. jdeasy
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    jdeasy Guru

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    How is that question not clear?

    If they haven't been diagnosed or treated in the last 2 years the answer is no to that question.

    I've had many answer no to that question. Diagnosed more than 2 years ago and no treatment in the last 2 years.

    One of them died in the contestable period and RNA paid the claim.
     
  2. suranceman
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    So the question is really asking:

    Have you been initially diagnosed as having?

    Didn't know that.

    Thanks!
     
  3. Labesky
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    Labesky Super Genius

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    Ok so---KSKJ, Trans, Americo and Americo Eagle (not familiar with Eagle)

    Sound right?
     
  4. jdeasy
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    I really do not understand the issue here.
     
  5. Baseball7
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    Depending on what state you're in eagle premier also includes common carrier and accidental death within the premium.
     
  6. Iwillpay
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    Eagle is approved at point of sale by using Americo app or telephone interview. No paper app.
     
  7. Todd King
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    He was reading the question as ....have you been diagnosed as having (presently) .....
     
  8. pfg1
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    Not my area at all...but I'm actually amazed carriers will issue std on that. Good for the client.

    So out of curiosity... what would be a typical policy for this person, and what would the typical premium be?
     
  9. jdeasy
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    KSKJ is $93/mo for $10K. Trans is $125/mo for $10K. Either would go to $25K for him.
     
  10. Baseball7
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    I have no idea how KSKJ can accept so much risk at such low rates. They literally take 90% of stuff with a day one benefit.
     
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