Where to Place?

[HoosierLife]

I got a prospect:

83M
5'7"
200
NT
Ephysema, no O2, no meds for this
Type 2 Diabetes
Metformin 100 mg 2xday
No Insulin
High blood pressure controlled with Verapamil 240 mg 1xday
Losartan 12.5 mg 1xday for high blood pressure and diabetes
Simvastatin 20mg 1xday for high cholestorol

Looking for $8-$10K policy.

 

[jdeasy]

I got a prospect:

83
5'7"
200
NT
Ephysema, no O2, no meds for this
Type 2 Diabetes
Metformin 100 mg 2xday
No Insulin
High blood pressure controlled with Verapamil 240 mg 1xday
Losartan 12.5 mg 1xday for high blood pressure and diabetes
Simvastatin 20mg 1xday for high cholestorol

Looking for $8-$10K policy.

Off the top of my head I would say AmCon's or RNA;s graded. AmCon is 40% 1st year and 75% second year. RNA is 30-70.

I can't think of anyone that would do immedate because of the ephysema. Might be? Somebody will probably let you know if there is.

 

[digfesales105]

I got a prospect:

83
5'7"
200
NT
Ephysema, no O2, no meds for this
Type 2 Diabetes
Metformin 100 mg 2xday
No Insulin
High blood pressure controlled with Verapamil 240 mg 1xday
Losartan 12.5 mg 1xday for high blood pressure and diabetes
Simvastatin 20mg 1xday for high cholestorol

Looking for $8-$10K policy.

Emphysema...no meds or inhaler? That's unusual. Plus...Losartan "can" be commonly used for CHF and Verapamil "can" be used for Angine and also CHF. BUT, both can be used for HBP too. I am only saying these concerns because any of those can be issues when the RX and MIB is ran. So I would run this:

RNA Graded especially if this is a female.
AmAm most likely ROP(to be safe)

But really any of the major FE carriers will take this person on a limited death benefit. I'm sure there are plenty others that many will post about. I guess if you can say who you are appointed with, that would make it easier to choose the best one?

 

[RichMcK]

Dig, is right, "Losartan "can" be commonly used for CHF and Verapamil "can" be used for Angine and also CHF. BUT, both can be used for HBP too. I am only saying these concerns because any of those can be issues when the RX and MIB is ran."

However, the other stuff Monumental would issue Standard. I would double check the meds and try Mon.

 

[HoosierLife]

Dig, is right, "Losartan "can" be commonly used for CHF and Verapamil "can" be used for Angine and also CHF. BUT, both can be used for HBP too. I am only saying these concerns because any of those can be issues when the RX and MIB is ran."

However, the other stuff Monumental would issue Standard. I would double check the meds and try Mon.

Can I just call UW and tell them the mess and see what they say?

 

[RichMcK]

Why not? They always help me, also check the agents manual.

 

[HoosierLife]

Can I just call UW and tell them the mess and see what they say?

Meds is what I meant to say. iPhone auto corrected. Maybe apple was right though.

 

[VolAgent]

Meds is what I meant to say. iPhone auto corrected. Maybe apple was right though.

Yeah, I think Apple nailed it pretty well. This guy is a mess.

 

[Rearden]

Oxford Immediate. No joke.

If he fails the POS, go with Monu.

Either way, Day 1 100% coverage.

 

[HoosierLife]

Oxford Immediate. No joke.

If he fails the POS, go with Monu.

Either way, Day 1 100% coverage.

Well I dont have Oxford yet, but do have Monu, so Monu it is. Does anybody have Monumentals # for UW? I dont seem to have it.