What carrier will underwrite Sjogren's Syndrome

[2112Greg]

PS... is this an internet lead Greg? If so, I think we may be competing on some leads... I recently ran into this... Got a lead credit too!

Actually it was a referral, which is why I'm going a couple extra miles here. Doesn't look good though. We've had two declines (World and GR). I was thinking Aetna next, but that doesn't look either.

Looks like it's off to the risk pool. Unless there's something I'm missing...!

Thanks for all the help, everyone...

 

[joshril]

Actually it was a referral, which is why I'm going a couple extra miles here. Doesn't look good though. We've had two declines (World and GR). I was thinking Aetna next, but that doesn't look either.

Looks like it's off to the risk pool. Unless there's something I'm missing...!

Thanks for all the help, everyone...

If World won't take it... you're probably done. I assume you did a pre-screen with Aetna?

 

[Dandy1]

I talked with Assurant - depending on the circumstances, they may be able to write (time since diagnosis, etc.)

 

[2112Greg]

Josh, I did do a pre-screen with Aetna, they got back to me this morning and she was declined.

Funny, I didn't even consider Assurant. Here in Texas they must think they have gold-plated plans. I'll look into this option, though. We had pretty much settled on the risk pool, but Assurant is worth a shot. Thanks for the reminder...I'll post back with what happens.

 

[joshril]

Josh, I did do a pre-screen with Aetna, they got back to me this morning and she was declined.

Funny, I didn't even consider Assurant. Here in Texas they must think they have gold-plated plans. I'll look into this option, though. We had pretty much settled on the risk pool, but Assurant is worth a shot. Thanks for the reminder...I'll post back with what happens.

By the time those gold-plated plans are rated 25-50%, life is not good...

 

[2112Greg]

Well holy sheishausen! Made the call to Assurant and it looks like we'll get standard rates for her. Needless to say, she's thrilled! I hadn't looked at their plans in a while. They are quite nice, but still pricey. She's just happy to get something that doesn't have a 10k deductible.

Thanks again for the suggestion!

 

[joshril]

Well holy sheishausen! Made the call to Assurant and it looks like we'll get standard rates for her. Needless to say, she's thrilled! I hadn't looked at their plans in a while. They are quite nice, but still pricey. She's just happy to get something that doesn't have a 10k deductible.

Thanks again for the suggestion!

Interesting Assurant is giving standard rates and everyone else is a decline... I would be a little suspect. Let us know how it ends up after underwriting.

 

[Crabcake Johnny]

Not a shot in hell it's standard with Assurant

 

[joshril]

You have to think about who's doing the pre-screen when you call Assurant (or any company for that matter)... hourly employees who typically just thumb through an underwriting guide.

 

[somarco]

Also . . . some agents do a thorough job in pre-screen . . . and some do not.