Submitted my first FE apps to Washington National and United Home Life.
The Washington National plan is very competitive when it comes to rates and they say they issue Table 6 standard. Very simple apps with most things only going back two years. However, cancer is a 5 year look back. They do require drugs taken in the past year be listed on the app. When the POS was done, they asked the client about drugs.. They were taking some drugs for a non-malignant intestinal problem that had require about a foot of the colon to be removed a few months ago. They really drilled down about the who, when, what and where about the surgery and the medications even though they problem did not fall under any of the application questions. They do not give an approval at the end of the POS and I thought this is going to be a problem. However, the plan was issued today with immediate benefit as applied. I contracted with them for their Cancer and CI plans but I will probably use them some for their life plans, especially the FE.
On the other hand, the UHL application does not ask about drugs and the POS sticks strictly to repeating the questions on the application. They don't give a decision at the end of the POS either but I thought that since there seemed to be no problems, the app would speed right through underwriting. Today, almost a week later, it still does not show up anywhere on the website so I called them. Yes, it has been received but they have not assigned it a file number yet or sent it to underwriting. I asked if this was the normal process and they said no but they had been receiving a "lot of applications and are running behind." I asked when I could expect it to go to underwriting and they said, "we hope to get it there next week".. I am really not happy about their service and absent my coming across a younger person with Insulin Dependent Diabetes, I doubt they will get another app from me.
The Washington National plan is very competitive when it comes to rates and they say they issue Table 6 standard. Very simple apps with most things only going back two years. However, cancer is a 5 year look back. They do require drugs taken in the past year be listed on the app. When the POS was done, they asked the client about drugs.. They were taking some drugs for a non-malignant intestinal problem that had require about a foot of the colon to be removed a few months ago. They really drilled down about the who, when, what and where about the surgery and the medications even though they problem did not fall under any of the application questions. They do not give an approval at the end of the POS and I thought this is going to be a problem. However, the plan was issued today with immediate benefit as applied. I contracted with them for their Cancer and CI plans but I will probably use them some for their life plans, especially the FE.
On the other hand, the UHL application does not ask about drugs and the POS sticks strictly to repeating the questions on the application. They don't give a decision at the end of the POS either but I thought that since there seemed to be no problems, the app would speed right through underwriting. Today, almost a week later, it still does not show up anywhere on the website so I called them. Yes, it has been received but they have not assigned it a file number yet or sent it to underwriting. I asked if this was the normal process and they said no but they had been receiving a "lot of applications and are running behind." I asked when I could expect it to go to underwriting and they said, "we hope to get it there next week".. I am really not happy about their service and absent my coming across a younger person with Insulin Dependent Diabetes, I doubt they will get another app from me.
