UHL - Wheelchair

[TPAAgent]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

 

[Iwillpay]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

Best thing in my opinion is clarify or state this on the application so no problem in case of a claim.

 

[Josh]

I had a similar situation. Client's girlfriend helped him bathe, but he could do it himself. Question reads "Do you require assistance?" No. It helps. That's how he does it, but it isn't required.

So can he do everything on his own? Sounds like the answer is yes.

 

[jdeasy]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

This is the perfect candidate for MoO or Vantis.

 

[TwiLight]

This is the perfect candidate for MoO or Vantis.

DITO, Vantis, Presidential or Kemper

UHL can be sticky....Depends on the POS interview.

 

[VolAgent]

You're over thinking this. It is Simplified Issue. They didn't ask if he is in a wheelchair or if he has a roll in shower. They asked if he can do all his ADLs himself. It sounds like he can so he should answer no.

In theory, someone in a wheelchair could qualify for Premier. After all, there are plenty of jobs that someone can do while in a wheelchair. Attorney, CPA and insurance agent are some that readily come to mind.

 

[nfl72]

Four years ago when I was new to this business I posed the same question to several companies, such as Motorists, Foresters, Equitable and never did get a straight answer. The answers even varied within the same organiization.

It as almost like trying to determine what constitutes a valid replacement. Nobody seems to know. If your payment goes up $25 a month but you put 3 grand in your pocket is that ok? Or maybe the payment goes down $15 a month but the 2 year clock starts over?

If your concerned about the state coming down on you for a bad replacement, I wouldnt be. They are like Jellyfish. They have no backbone. I have sent them two different cases of bad replacments and they didnt do a thing to the other agent.

Foresters in their guide book talks about being in the wheelchair for more than 8 hours a day as a guideline.

It certainly doesnt seem to be etched in stone.

 

[captain94]

Has anybody ever written the Express Issue or Express Issue Deluxe on a client in a wheelchair through UHL?

* 66 year old male on insulin that had both legs amputated 3 years ago due to complications from diabetes. Took out a guaranteed 3 year wait policy 4 months ago for 10k-

I can beat his current premium through UHL on their Express Issue (Graded) and cut his wait time down to 2 years instead of three

United Home Life has no questions on their application asking about being confined to a wheelchair like most other companies that have that as a knockout- In fact there is no question about any amputation due to diabetes either-

Their knockout to the GI (which im trying to avoid) are these questions

1) Kidney dialysis, oxygen or terminal illness.. Client has neither

2) HIV - No

3) Confined to Hosp 2 or more times in 12 months - No

3a - Cancer? - No

3b) Illegal Drugs etc. No

Heres the kicker question and would like to see how some of you would answer this question

5)Do you require assistance to feed, bathe, dress or take medications or currently in hosp, nursing home, medical related facility or require home nursing care?

Clients lives at home with his wife- he cooks, can eat, take his mediacations can put on his shirt and has a shower that he can roll his wheelchair into-

How would you answer that question? Yes or No?

Yes I wrote a express issue to a guy in a wheel chair they will take it but not on the deluxe

 

[WinoBlues]

try www.acl sucky contracting.con no mib or script check

Sucky contracting? That does not sound good.

.

 

[medsuptage]

i was unaware anyone wrote UHL...