Ideas?

[shonceman]

Prospect had Americo (from another agent) that was declined for reinstatement after lapse. Says he had all the same health conditions as when he first took out the policy (although I suspect the agent may have written it a little cleaner than it should've been - I didn't see the policy, though). Wouldn't budge on anything but immediate benefit, which none of my current carriers will qualify him for. I told him I'd check around for him, just in case.

He's 74, had stroke 10-11 years ago with residual paralysis on right side. Uses wheelchair, but can walk a short distance. Good bowel & bladder control. Diabetic on 58 units insulin/day. High blood pressure - under control. Some type of kidney problem that he didn't know name of, not on dialysis (but says doctor is trying to keep him from getting to that point).

 

[gymguy]

Foresters might take him level but it depends on his kidney problem. I would check his hbp meds and whatever meds he takes for the kidney thing.

 

[rousemark]

Prospect had Americo (from another agent) that was declined for reinstatement after lapse. Says he had all the same health conditions as when he first took out the policy (although I suspect the agent may have written it a little cleaner than it should've been - I didn't see the policy, though). Wouldn't budge on anything but immediate benefit, which none of my current carriers will qualify him for. I told him I'd check around for him, just in case.

He's 74, had stroke 10-11 years ago with residual paralysis on right side. Uses wheelchair, but can walk a short distance. Good bowel & bladder control. Diabetic on 58 units insulin/day. High blood pressure - under control. Some type of kidney problem that he didn't know name of, not on dialysis (but says doctor is trying to keep him from getting to that point).

I would be concerned that the kidney problem is nephropathy as a complication of the diabetes.

 

[shonceman]

I would be concerned that the kidney problem is nephropathy as a complication of the diabetes.

Exactly what I'm thinking. He thinks he saw an ad promising immediate benefit with no health questions. Oddly enough, the first thing I saw on tv when I got home tonight was the current LH ad. It doesn't make those promises, but I can see where if someone doesn't read the print portion that's displayed next to the talking head, they might get such an impression. I'll give him a few days, so he can satisfy himself that he's not going to do any better.