The Plavix Problem

[jemelton]

I thought I had an easy approval on a Foresters final expense today, completed the phone interview and was told that he was ineligible due to taking plavix-it was my fault as I did not think that it was on the drug list but it must be.

Here is my question if any FE expert can help: Male nt age 69 diabetic (takes about 30 units of insulin per day) has sleep apnea, had stroke in 2002 and had a vein surgery in his leg to improve circulation (has not had nueuropothy or diabetic complications). No other surgeries in the last 4 years. Was put in plavix in December according to the client "because my sugar went really low and they thought I had had a stroke but they later confirmed that I had not and the plavix is to help my circulation" if that makes any sense.

I talked to Mon underwriting and they said that the plavix was a problem because you "aren't just put on plavix it is normally due to congestive heart failure, heart surgery ect."

Will any FE company take him on an immediate death benefit?

 

[Rearden]

Monu will do a Standard -- as long as no CHF, heart issues within the last 2 years, or lung disease. Make sure there's no irregular heart rhythm, either.

 

[jdeasy]

I thought I had an easy approval on a Foresters final expense today, completed the phone interview and was told that he was ineligible due to taking plavix-it was my fault as I did not think that it was on the drug list but it must be.

Here is my question if any FE expert can help: Male nt age 69 diabetic (takes about 30 units of insulin per day) has sleep apnea, had stroke in 2002 and had a vein surgery in his leg to improve circulation (has not had nueuropothy or diabetic complications). No other surgeries in the last 4 years. Was put in plavix in December according to the client "because my sugar went really low and they thought I had had a stroke but they later confirmed that I had not and the plavix is to help my circulation" if that makes any sense.

I talked to Mon underwriting and they said that the plavix was a problem because you "aren't just put on plavix it is normally due to congestive heart failure, heart surgery ect."

Will any FE company take him on an immediate death benefit?

I've had many clients approved with RNA that take Plavix. That's also news to me that Foresters declines for Plavix. I've had many approved with Foresters that were on Plavix. Must be part of their new rules?

I had one today with Foresters that I had written a year ago for $12,000 and was approved. Same lady now wanted to up it to $15000. Same meds as one year ago. No change in health, except maybe better. She was taken off of two meds. No go with Foresters now. Put her with RNA and was approved.

Had a list of meds that took me quite a while to go over on the RNA POS interview.

The one thing consistant about these companies is the inconsistancy.

 

[Rearden]

You can be approved with Foresters on Plavix, as long as you've taken it longer than 2 years ago.

 

[Newby]

American Memorial would probably take him. They don't count maintance meds as treatment.

Rates are higher though.

 

[jemelton]

does the client have to answer a ton of questions with rna or do I list the medications for them? what are the rates with rna compared to foresters, ive never written a policy with them?

 

[jdeasy]

does the client have to answer a ton of questions with rna or do I list the medications for them? what are the rates with rna compared to foresters, ive never written a policy with them?

The rates with RNA and Foresters are about the same. Sometimes RNA will be a dollar cheaper and sometime Foresters will be a dollar cheaper.


About the same number of questions, ut you do have to list the meds with RNA. They now let the agent give the meds at the beginning of the interview instead of passing the phone back and forth. The disclaimer with RNA is less than one tenth the time it takes to do Foresters.

It's been a year long work in progress with RNA's phone interview to get it halfway decent.

As far as the better company and benefits, RNA is so far ahead there that there is not even an argument to be made.

 

[jemelton]

Sorry to be a pain in the butt, what better benefits does RNA have compared to Foresters?

 

[GoCubsGo]

American Memorial would probably take him. They don't count maintance meds as treatment.

Rates are higher though.

Wouldn't UHL do the same?

 

[SportsNut]

drugs.com says..............

"used to prevent blood clots after a recent heart attack or stroke." Hmmmmm, you can see the problem.