Underwriting help 50 Male

kcinsc

Expert
22
have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?
 
have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?

Trans, Americo, Equitable.
 
You lost on the "hospitalized within the last year" question. Trans Standard for the win.
 
have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?[/QUOTE
You should have no problem with Americo Eagle. Hope you get the deal!

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have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?[/QUOTE
You should have no problem with Americo Eagle. Hope you get the deal!

Actually check that sorry! Americo UP2

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have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?[/QUOTE
You should have no problem with Americo Eagle. Hope you get the deal!

Actually check that sorry! Americo UP2
 
have a client 50 male normal h/w

Has copd diagnosed 4 yrs ago prescribed an emergency inhaler
Had a heart stent done on may of 2015
Has controlled hbp

Thought could approve with lbl standard but denied and only question they harped on is he had a stress test done earlier this month which results came back good but for some reason he stayed overnight in the hospital when he had it done.
Is that considered hospital confinement?
Only company I can think may have a shot with is transamerica maybe?[/QUOTE
You should have no problem with Americo Eagle. Hope you get the deal!

----------

Actually check that sorry! Americo UP2

----------

Actually check that sorry! Americo UP2

hiccups? :)
 
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