Which Prospects Have GI As Only Option?

[0b1kanobee]

You are going to run into those. I would bet that I could get her covered somewhere. Maybe not? I wouldn't fool with it for a year or even a month. If everyone said no to immediate or level I would just send her to MoO or Vantis.

Well nobody said anything. I'm just reading the questions on the apps and I don't see a fit anywhere with immediate coverage BUT maybe I'm missing something?

Just seems like she hits a question like "advised by a licensed medical professional to have any diagnostic test, hospitalization or surgery which has not been completed?".........and I have to answer YES because she always has an MRI scheduled for 6 months later and there is no definitive answer as to whether it is cancer or not. They just watch it to see if it grows.

Isn't that a knockout question? Who would give her immediate DB with her situation?
THANKS!

I haven't submitted her to anyone because I figured nobody will take her for immediate and she wants immediate DB. Now on a side note she is coming around to a possible 2 year wait product like Vantis.

 

[Tearmann]

What about people who have had a procedure or diagnosis of some sort OR who are getting ready to have some sort of procedure or haven't yet got definitive results of procedures?

I have this lady who I have been trying to get insurance on for over a year. She seems to always have some type of new procedure or having to go to some new specialist or have some new test or not received the results of a certain test or some kind of definitive result.

She has something in her lung (growth) that doesn't really get any bigger but they are too afraid to operate so they just monitor it thus they really don't know EXACTLY what it is 100% She gets an MRI like 2x a year.

I haven't been able to get this lady a policy. She is 56 Y.O. non-smoker and good on everything else like height, weight, ect.

I would use UHL or Americo depending on other issues - UHL is by far the cheaper of the two and will place the policy within a few days.

Vantis is the least expensive of any GI company I've seen, however I have heard they can take up two months to issue a policy

 

[Newby]

I would use UHL or Americo depending on other issues - UHL is by far the cheaper of the two and will place the policy within a few days.

Vantis is the least expensive of any GI company I've seen, however I have heard they can take up two months to issue a policy

No, Vantis issues very quickly. They take around 2-months to contract an agent.

All my Vantis policies have issued with 5-days.

Americo GI is really doing a dis-service to your client.

 

[lsalmans]

No, Vantis issues very quickly. They take around 2-months to contract an agent.

All my Vantis policies have issued with 5-days.

Americo GI is really doing a dis-service to your client.

Wow. why so long on the contracting?

Which by the way. Is it normal for Monumental to take up to 30 days for contracting?