Who underwrites life with energy drinks?!

Dec 5, 2008

  1. HealthGuy
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    Interesting case I ran into: A client, age 48 recently applied for life insurance with another agent- 1MIL term case - and he tells me that they turned him down. Nurse visited, he says that they told him he has high blood pressure, and he tells them no - he has elevated high blood pressure due to consuming an energy drink an hour before the nurse visits, smart move...Worth persuing with any carrier, or should I leave this one alone? The first term carrier, don't know who - still didnt want him even with his 'energy drink' excuses...and he never persued another second nurse visit because he didnt want to try with the same company again...I need some strategic ideas on this interesting case before I proceed. Says he wouldn't mind trying another medically underwritten product with another carrier, but who?
     
  2. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    Any carrier.

    Get fresh labs done. Tell him to schedule it for first thing in the morning, and not to eat or drink ANYTHING after dinner time the night before.
     
  3. somarco
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    somarco GA Medicare Expert

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    Red Bull Life Insurance Company . . .



    And no alcohol for 24 hours before the exam. It can spike liver enzymes.
     
    somarco, Dec 5, 2008
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  4. Mark
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    I've seen this before. Just have him retested. See if the 1st company will retest him. Tell the underwriter what happend and/or tell them to request an aps from the doctor to show that was a one time thing from the e drink.

    All other companies will also take him. Just make sure he does not eat or drink anything around the time of the med.

    Don't you just want to slap the client and say what were you thinking.
     
    Mark, Dec 5, 2008
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  5. xrac
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    This is a quote from Topgunproducers on this subject. I think it has a lot of good advice.

     
    xrac, Dec 5, 2008
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  6. HealthGuy
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    All damn good posts, and yes I would love to tell some ot these people what I think...Taking a life insurance exam and drinking an energy drink one hour before???? How does one go with the other?
     
  7. Winter_123
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    We dont know yet whether the client has high blood pressure. He tested high and has given us his theory. Could be he just has high blood pressure. Dont know yet. So I dont think we can say yet that "all other companies will take him."
     
  8. Mark
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    No matter what, he is going to have to take another Med. If the next med comes back normal, then he will be okay with most companies. Even if he had 1 bad test. If the client is being honest with us, and he did say he does not have High Blood Pressure. If he really had that energy drink an hour before they did the test, it would have been off the chart. High Blood Pressure is something that most companies can take, if it is under control. I have the feeling that he really had the drink an hour before the test.

    If the agent is asking what to do, just retest the client again. Of course if that test comes back bad, then you have a problem. I would also do an aps on him, and ask his doctor what his normal reading are.

    I have personal had this happen a couple of times. It is not only these E drinks. The paramed usually tells the clients not to eat or drink 12 hours before she shows up.
     
    Mark, Dec 6, 2008
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  9. GreenSky
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    Maybe the client could walk into a CVS and stick his arm in the cuff and see what his BP is. That could save everyone a great deal of time.

    Rick
     
  10. HealthGuy
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    Winter: Thanks for your reply - but serious question - what is up with all the Condi Rice foolery? This stuff is hilarious!
     
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