What Company For This Prospect?
- Thread starter 0b1kanobee
- Start date
- 372
I'd appreciate your opinions. I probably agree with all of them. My healthy kids that have never got the flu certainly would as well!
Ht/Wt alone is a table 1-2 rating with RNA, not to mention the water pill. So your quote I would add the 150% mark up on a table 2 at the minimum.
With RNA, it could be possibly Table 4 depending on her other tests and conditions they see on an APS they will also request.
Last edited:
- 1,930
lol, That's was a joke Jerard. You never heard that before? Instead of telling someone they are overweight you say you are too short. The nerds on Big Bang Theory would have gotten that one. haha
Not that you might be a nerd but I saw the chess thing and you didn't get the joke. Just saying. ha
- 2,758
Ohhhhh....well, what do you expect, I'm senile and from Florida. :(
- 19,673
Table B at worst in my experience. I guess everyone's experience might be different?
Sagicor may not be the pick. First, the Age makes it fully underwritten at $25k and age 67. You would have to look at $24,999 for an Express Issue plan and simple underwriting.
The bad news is two fold....1 the ht/wt makes her fit as a rated plan. However the water pill (Furosemide or Lasix) is a knock out drug for Sagicor's Simplified Issue Underwriting.
She would have to go Fully underwritten and the rating would probably be a table 4 or table 6. Max Sagicor goes to is a Table 8 when fully underwritten.
****************
She may fall in nicely with Americo....I believe Lasix is still UP1 in their underwriting guide and the ht/wt is still good. You may want to try quote UP1 with them.
****************
----------
Table B is a Table 2 rating, which is what I would expect at the minimum. I do not have much experience with how they treat water pill prescriptions, that is why it could be up to a table D/4 or F/6
Last edited:
I meant the combination of those drugs and the skin issues. I take Vitamin D and A lot of B vitamins. Its protocol for liver damage, which I have. THe furosemide is a big red flag, especially that dosage. That is all I was saying there. Hyperthyroidism, osteoporosis, and skin problems, especially the spongiotic, all point to endocrine disorder. Those conditions are amplified by liver ailments. The weight and swelling could be ascites (if thats the case, Graded benefit only).
Im no MD, just making an observation, I have had those kinds of cases declined and that was reason for it. If there is no MIB info on her yet, then maybe she can the policy she needs.
Im no MD, just making an observation, I have had those kinds of cases declined and that was reason for it. If there is no MIB info on her yet, then maybe she can the policy she needs.
- Thread starter
- #19
- 2,455
What companies don't do an RX check or MIB?
I dont have them but I believe Aetna/AmCont does not check.
Newby & Travis should be able to help you.
Last edited:
