Transamerica

[dcd3funeral]

72 year old female nonsmoker on oxygen and taking spiriva; regardless of what app says would this likely be a complete decline??

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She has sleep apnea and copd and takes Cpap...

 

[SPUR CITY]

72 year old female nonsmoker on oxygen and taking spiriva; regardless of what app says would this likely be a complete decline??

Plenty of companies will take it

 

[dcd3funeral]

How about trans though?

 

[SPUR CITY]

How about trans though?

Looks like graded to me

 

[HoosierLife]

72 year old female nonsmoker on oxygen and taking spiriva; regardless of what app says would this likely be a complete decline?? ---------- She has sleep apnea and copd and takes Cpap...

Oxygen and COPD is going to be ROP with anybody and a decline with most.

Oxygen with sleep apnea will fly with a few companies. Trans is not one of them though. It specifically includes sleep apnea in the O2 question if I remember correctly.

 

[SPUR CITY]

Oxygen and COPD is going to be ROP with anybody and a decline with most. Oxygen with sleep apnea will fly with a few companies. Trans is not one of them though. It specifically includes sleep apnea in the O2 question if I remember correctly.

Part C3 question 6e is the only question that would be answered "yes".

Based on what the OP stated it still looks like graded to me.

 

[TwiLight]

It does not matter about COPD.... OXY use in the past year is Graded with Trans...

You are supposed to skip section (part C4) if one yes answer in (part C3), but if the RX shows more issues, I have seen them decline cases.

 

[VolAgent]

Put her with Gerber, Vantis or give her the number for MOO and move on. She has COPD and uses oxygen. Even if you slip it past somewhere, it is a recession looking for a place and time to happen.

 

[JimmyUt]

Put her with Gerber, Vantis or give her the number for MOO and move on. She has COPD and uses oxygen. Even if you slip it past somewhere, it is a recession looking for a place and time to happen.

Or use Security National with none of the 1 year chargeback bs

 

[SPUR CITY]

Or use Security National with none of the 1 year chargeback bs

Exactly! But If he did not have SNL I would write Transamerica graded based on the information given all day long...