What he's referring to is being able to switch to another plan within the same company only, unless I'm reading that wrong...."[FONT="]to exchange their current policy for a new standardized plan without medical underwriting."[/FONT]
Underwriting?!
- Thread starter Jessica Durphy
- Start date
What he's referring to is being able to switch to another plan within the same company only, unless I'm reading that wrong...."[FONT="]to exchange their current policy for a new standardized plan without medical underwriting."[/FONT]
- Thread starter
- #12
- 298
oh ok! I guess we'll just have to wait to see if that's what he did mean!
I was just telling Frank Statsney today that I received 5 referrals today; all from current med supp clients You are right, treat them right and seniors love to help other seniors save money.
- - - - - - - - - - - - - - - - - -
I'm doing everything in my power to replace every Bankers that I run into. It is very easy to do as far as premium goes. Maybe every agent on this forum can concentrate just on Bankers customers for a month, replace all of their policies, put them into receivership, out of business, and Kapowee!!!!, they're now GI. Hey, it's a plan.I am selling a lot of Med. Supps up here in Pa.. the more I get into this the more I love it! BUT, as you do with the elderly crowd, you run into a lot of health issues.... If underwriting is pretty much the same across the board, why is that one company will accept you if you can "fog a mirror" yet another company will not accept you if you have emphysema or had a hip replacement 3 years ago?
I've read on here that AARP will accept you no matter what...or with only a few acceptions. But New Era, Gerber, or any other compnay that I have been appointed with denies a senior with such problems as listed above!
Back in April, I spoke with a lady yesterday, she and her husband got a Med. Supp from Bankers Life (plan J)... now she had Spinal Stenosis Surgery 3 years ago, hip replacement 2 1/2 years ago (not due to a disease), and she has COPD (not being treated for... under control... she was told 10 years ago that she had it), but according to the underwriting SHE WILL BE A DENIAL!!! Obviously, I will tell her to just stay with Bankers, but she's paying 190.00 a month for it, where I can get her into a plan F with Gerber for $135.00 a month..
Just curious what you fellas do?? How do you handle her question about... Why did they accept me and nothing has changed in my health since April... but you won't! Her husband is a wonderful candidate.. he's as healthy as a 74 year old can be... i know I can help him, I just hate that I can't help her as well!!!
any comments or suggestions will be appreciated!
Last edited:
- 7,790
Geez guys, try to spell Frank's last name correctly. It is Stastny. Maybe he should change it to Smith to keep it from being butchered, but I know Frank is proud of his heritage. He is the man when it comes to Med Supps!
- 7,066
Yes it is, I guess I should have been more explicit. Sorry about that.
agentexhorter
Expert
- 94
I am selling a lot of Med. Supps up here in Pa.. the more I get into this the more I love it! BUT, as you do with the elderly crowd, you run into a lot of health issues.... If underwriting is pretty much the same across the board, why is that one company will accept you if you can "fog a mirror" yet another company will not accept you if you have emphysema or had a hip replacement 3 years ago?
I've read on here that AARP will accept you no matter what...or with only a few acceptions. But New Era, Gerber, or any other compnay that I have been appointed with denies a senior with such problems as listed above!
Back in April, I spoke with a lady yesterday, she and her husband got a Med. Supp from Bankers Life (plan J)... now she had Spinal Stenosis Surgery 3 years ago, hip replacement 2 1/2 years ago (not due to a disease), and she has COPD (not being treated for... under control... she was told 10 years ago that she had it), but according to the underwriting SHE WILL BE A DENIAL!!! Obviously, I will tell her to just stay with Bankers, but she's paying 190.00 a month for it, where I can get her into a plan F with Gerber for $135.00 a month..
Just curious what you fellas do?? How do you handle her question about... Why did they accept me and nothing has changed in my health since April... but you won't! Her husband is a wonderful candidate.. he's as healthy as a 74 year old can be... i know I can help him, I just hate that I can't help her as well!!!
any comments or suggestions will be appreciated!
how old is the lady? what zipcode does she live in?
- 7,066
With a name like Stastny I'm tickled to death when the get the "S" at the beginning of my name correct.
- 7,790
Frank, just be thankful you don't have a name like Smuckers! BTW how are your goats doing?
- 7,066
I eat nothing but Smucker's. They are right, with a name like that they have to be good and they are. I can only fantasize that the same may be said some day about a name like Stastny.
My goats are doing awesome. Some day I have to learn how to post pics here. My does will be kidding sometime in December. The kids are so cool to watch.
