Decined by Transamerica

[billyb]

72 female applied for a fully underwritten policy and was declined due to a heart issue from 2010. She recently bought a GI. I applied with Transamerica and they declined her because of RX. Everything she showed me was OK and the company won't tell me anything. Should I shop the case or just tell her to keep the GI policy?

 

[rousemark]

72 female applied for a fully underwritten policy and was declined due to a heart issue from 2010. She recently bought a GI. I applied with Transamerica and they declined her because of RX. Everything she showed me was OK and the company won't tell me anything. Should I shop the case or just tell her to keep the GI policy?

Instead of Fu would she not qualify for SI issue immediate benefit? Better than GI..

 

[Rob Lion]

72 female applied for a fully underwritten policy and was declined due to a heart issue from 2010. She recently bought a GI. I applied with Transamerica and they declined her because of RX. Everything she showed me was OK and the company won't tell me anything. Should I shop the case or just tell her to keep the GI policy?

Need more details lol, Why is she trying to get a FUW policy?

 

[billyb]

Another agent wrote her FU and I wrote Immediate Solutions with Transamerica. Since they have gone crazy I was wondering if another SIWL company might give her a look without knowing which RX Transamerica didn't like.

 

[DonP]

As i recall If a fully underwritten is declined by Trans they won't issue a simplified issue.

 

[Rob Lion]

Another agent wrote her FU and I wrote Immediate Solutions with Transamerica. Since they have gone crazy I was wondering if another SIWL company might give her a look without knowing which RX Transamerica didn't like.

What's her heart condition and medications lol.

 

[Baseball7]

As i recall If a fully underwritten is declined by Trans they won't issue a simplified issue.

This is common with most companies. If you knew she has history w/trans should have probably lead with someone else.

 

[billyb]

Another agent wrote her a fully underwritten application with a company in Ohio while she was visiting her sister. The company was not Transamerica. I wrote her SIWL and she was declined due to RX. Transamerica won't tell me what RX. I was just wondering if she had another chance with heart issues with another carrier who now may be more liberal than Transamerica. Otherwise I will tell her to keep the GI she bought.

 

[WinoBlues]

What did she tell you when you dialed down on the the RX question? What is here 5 year history?