Talked with a Medigap client today that asked about life insurance. I don't write much life any more but do still know something about impaired risks.
Two years ago he applied for coverage with Hartford. They took an app, did the physical and then rejected him.
He was 63 at the time, HBP and high cholesterol (both under control). Non-tobacco, acceptable build.
He has one kidney.
22 years prior he had kidney cancer. Kidney removed. No problems since. Is not on any "renal" meds and hasn't been for years.
They denied him due to "history" of kidney cancer and "something" in his blood work. (He couldn't recall what the something was).
He never mentioned (to Hartford) about the single kidney (didn't come up on the app or interview) nor did he say anything about the cancer. 20+ yrs cancer and treatment free, no reason to say anything.
How the heck did Hartford find out and now that he has an MIB hit (didn't have one before) is there any reason to try again?
Two years ago he applied for coverage with Hartford. They took an app, did the physical and then rejected him.
He was 63 at the time, HBP and high cholesterol (both under control). Non-tobacco, acceptable build.
He has one kidney.
22 years prior he had kidney cancer. Kidney removed. No problems since. Is not on any "renal" meds and hasn't been for years.
They denied him due to "history" of kidney cancer and "something" in his blood work. (He couldn't recall what the something was).
He never mentioned (to Hartford) about the single kidney (didn't come up on the app or interview) nor did he say anything about the cancer. 20+ yrs cancer and treatment free, no reason to say anything.
How the heck did Hartford find out and now that he has an MIB hit (didn't have one before) is there any reason to try again?