Final Expense : Customer Using Oxygen Equipment

[efo2009]

My first post in the forum. I just started writing FE. My question is:

Which carrier will take this customer, other than Lincoln Heritage: 84 yr old and using oxygen equipment to breathe.

I'm currently with American Amicable and UHL, applying with Columbian. In Houston,tx

 

[ALG]

Is the oxygen for COPD or Sleep Apnea?

 

[efo2009]

COPD ... but what is the difference if Sleep Apnea (underwriting) ...?

 

[ALG]

A diagnosis of Sleep Apnea is still Insurable with most carriers and can be corrected with surgery. Not true with COPD, so clarify why they use Oxygen.

 

[efo2009]

I got him OK with the oxygen sleep apnea. Thank You because I thought oxygen "always" was a no-no...

I have another client today declined, everything fine but "receiving home health care" ... with columbian/american amicable ... I think LH will take it

 

[ALG]

Great, Glad it Helped.