- 29,515
Ok, yep I plugged in a 60 year old.
I just plugged in a 67 year old and it's still showing 3 year on FexQuotes. Maybe it can't make that distinction.
Doesn't affect me though, as I'd never use them.
Suboxone
- Thread starter asher
- Start date
I just plugged in a 67 year old and it's still showing 3 year on FexQuotes. Maybe it can't make that distinction.
Doesn't affect me though, as I'd never use them.
Right out of Am Am's UW Guide:
IMMEDIATE DEATH BENEFIT, Policy Form No. 9767 100% of face amount paid immediately*
• GRADED DEATH BENEFIT, Policy Form No. 9644 30% of selected face amount paid if death occurs during the 1st policy year, 70% paid the 2nd year and 100% paid the 3rd and subsequent years. 100% paid for accidental death, all years
• RETURN OF PREMIUM DEATH BENEFIT, Policy Form No. 9645 Return of premium plus 10% interest for 3 years if underage 65 at date of policy issue, 2 years if 65 or older at date of policy issue (Graded 2 years for all ages in IL, NH & NJ). 100% paid after graded period. 100% paid for accidental death, all years
IMMEDIATE DEATH BENEFIT, Policy Form No. 9767 100% of face amount paid immediately*
• GRADED DEATH BENEFIT, Policy Form No. 9644 30% of selected face amount paid if death occurs during the 1st policy year, 70% paid the 2nd year and 100% paid the 3rd and subsequent years. 100% paid for accidental death, all years
• RETURN OF PREMIUM DEATH BENEFIT, Policy Form No. 9645 Return of premium plus 10% interest for 3 years if underage 65 at date of policy issue, 2 years if 65 or older at date of policy issue (Graded 2 years for all ages in IL, NH & NJ). 100% paid after graded period. 100% paid for accidental death, all years
- 1,764
Why would you write modified on a 63 year old female on subutexwhen RNA is level ?
- 3,994
Cause suboxone is for drug abuse and I have 0 confidence rna pays that contestable claim.
- 1,764
The insured is taking Subutex. It’s an opioid that RNA takes level.
Are we not supposed to pivot to a company that provides 1st day coverage?
I did not detect the insured being a drug addict.
Are we not supposed to pivot to a company that provides 1st day coverage?
I did not detect the insured being a drug addict.
- 6,994
I would write it RNA.
- 1,764
Exactly
Level !
Paperless phone app
Immediate decision with MRS
Write and run
Takes lots of meds level others won’t
Diabetic Neuropathy & A-Fib not asked about on app
No height/weight chart fatties ok
SS billing
Easy to work with/professional
Contact Todd or Matthew King for express contracting
- 3,994
*immediate decision with e-app
- 3,994
**contact the IMO with the best training, and comp levels
- 1,764
Is there any use for RNA graded ?
