Heads up. I have had a couple of cases in the last week where it appears the underwriter is trigger happy and looking for a reason to decline without bothering to get the full facts. Both of those cases probably could have been salvaged had I known the underwriter might take short cuts.
Before you submit an underwritten app to them get a list of all med's taken in the last 2 yrs and X-reference against their decline list. If anything pops up on the list make sure you and the client know they will just assume the worst and go for the decline. Some med's, especially heart med's, are used for BP as well as CHF and even cirrhosis.
If you don't X-check the med's and drill down with your client you are virtually guaranteed a decline.
Before you submit an underwritten app to them get a list of all med's taken in the last 2 yrs and X-reference against their decline list. If anything pops up on the list make sure you and the client know they will just assume the worst and go for the decline. Some med's, especially heart med's, are used for BP as well as CHF and even cirrhosis.
If you don't X-check the med's and drill down with your client you are virtually guaranteed a decline.
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