Level Coverege for Atrial Fibrillation

[InsKid]

I'm trying to get $15,000 level coverage for a healthy 79-year old with Atrial fibrillation. He just takes a small daily dose of Lopressor for it.

Does the atrial fibrillation make this a graded policy with most of the carriers? Has anyone of you called an underwriter before with this question?

The prospective client is a non-smoker in California and would like to avoid a graded policy.

Any carriers come to mind for him? Thanks in advance.

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[inreverse]

oxford, call ahead to underwriter to clear the med

 

[InsKid]

Thanks on Oxford, I would like to avoid a call to underwriting if possible.

Is A-Fib really considered as "heart disorder" or "heart condition"? My guess is that it certainly would be if the client dies in the first 2 years of the policy.

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[onefastpony]

Thanks on Oxford, I would like to avoid a call to underwriting if possible.

Is A-Fib really considered as "heart disorder" or "heart condition"? My guess is that it certainly would be if the client dies in the first 2 years of the policy.

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Why would you want to avoid calling underwriting??

That's the best way to do it if you have questions.

BTW, RNA doesn't ask about Afib.

 

[InsKid]

Why would you want to avoid calling underwriting??

Just don't like the long hold times, just to hear what I don't want to hear. I'm about to call now.

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BTW, RNA doesn't ask about Afib.

Thanks

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[TwiLight]

I write all afib at RNA. No issues.

 

[bookshl]

I have written all my afib with 5 Star with no problems.

I hope that helps

 

[InsKid]

Thank you all for the input, much appreciated. I called underwriting and got my answer, it's graded with all the carriers I'm using.

 

[onefastpony]

Thank you all for the input, much appreciated. I called underwriting and got my answer, it's graded with all the carriers I'm using.

Sounds like you need some new carriers to fill that niche.

 

[Rearden]

Sounds like you need some new carriers to fill that niche.

OFP knows his underwriting -- definitely take his product selections to heart.