Underwriting Question

[sunmed]

I have a family in Minnesota that was approved with the exception of the husband. The husband was declined due to a few DUI's. the last DUI was August 2007. He claims he doesn't drink anymore. Anyone have any ideas for coverage with this case? Thanks in advance!

Rick

 

[somarco]

Every carrier I know has a 5 yr clean & sober requirement.

 

[InsureGuy5]

Does Minnesota have a high risk pool that can be used? Assurant has a coverage option for high risk individuals as well. Could use it as a stop gap until the 5 years is up.

 

[sunmed]

True... good idea insurance guy!

 

[wfs]

Liberty Life: Preferred & Standard Select, 3yrs, No DUI
AIG, Genworth: Standard, 2 yrs no DUI
Liberty: Standard, 3 Yrs no DUI
West Coast, Pru, Standard, Individual Consideration

 

[sunmed]

health plans wsf

 

[moonlightandmargaritas]

Is that why it's in the "Individual Health Insurance Forum"?

 

[dgoldenz]

Anthem will not auto-decline due to a DUI.....with several may be another question, but I spoke with an underwriter about a similar case where they had been charged with DUI. They said as long as they have not had treatment in a rehab facility/program and do not currently drink excessively that they could still possibly qualify dependent on other risk factors. We're going to submit the app on that one in a couple weeks, so we'll see what comes back.

 

[moonlightandmargaritas]

If I read it correctly, it's not a DUI, it's a few DUIs. Plural.

 

[somarco]

last DUI was August 2007. He claims he doesn't drink anymore.

Like folks I meet who say they are on a diet, or stopped smoking.

When did you stop?

This morning.