Help With Hep C Large Case

[lifeagent007]

Hey guys!

Need help with a case,

I'm working with a 66 year old female who has Hep C and was given Harvoni for her med.

Other than that healthy.

Looking for 50,000 in coverage.

Ok with 2 25k policies.

anything that will beat Gerber?

graded/level?

Thank you!

 

[Jerard]

Liberty Bankers Standard for 173.76/30K max (NT). That's Immediate benefit, the only one I know of. She must be getting treatment.

 

[Rearden]

Liberty Bankers Standard for 173.76/30K max (NT). That's Immediate benefit, the only one I know of. She must be getting treatment.

Current Hep C treatment is a knockout.

Is the Hep C resolved?

If it IS resolved...

1) Aetna Level after 1 year

If it is NOT resolved...

1) United Heritage Graded if diagnosed at any time

 

[Jerard]

No, only "untreated" Hep C is. I've called them on it. BTW, the med she's on is not listed on their bad med list.

 

[goillini52]

Hey guys!

Need help with a case,

I'm working with a 66 year old female who has Hep C and was given Harvoni for her med.

Other than that healthy.

Looking for 50,000 in coverage.

Ok with 2 25k policies.

anything that will beat Gerber?

graded/level?

Thank you!

Equitable(Level Standard), Foresters(Graded), Humana(Graded), GWIC(Level if no problems or change in medication or dosage in last 2 years), KSKJ(More than 2 years Level Select, 1-2 years Level Standard/with 2nd condition Modified Graded, within 1 year Modified Graded), Sentinel Security(Graded), Trinity(More than 2 years Level, 1-2 years Graded).

 

[Baseball7]

Has anyone specifically asked an underwriter how they interpret the hepatitis C cure?

 

[Jerard]

Has anyone specifically asked an underwriter how they interpret the hepatitis C cure?

You're never actually cured but a "zero viral count" is the same thing.

 

[smokin goose]

Doesn't RNA take hep c?

 

[Jerard]

Doesn't RNA take hep c?

They don't ask about it specifically but there is a two-year look back on cirrhosis and liver disease. So in their case you would have to be "cured" for 2 years and not under treatment.

 

[smokin goose]

They don't ask about it specifically but there is a two-year look back on cirrhosis and liver disease. So in their case you would have to be "cured" for 2 years and not under treatment.

Ok. Now I remember I think we discussed this before one time. Sometimes the forum is just one big rerun. Lol.