- 5,261
I misspoke.
Current nitro usage that has been used continually longer than two years - can be answered no per the Agent Guide.
TA Standard for this Risk Assessment
- Thread starter Speck
- Start date
I misspoke.
Current nitro usage that has been used continually longer than two years - can be answered no per the Agent Guide.
- 5,243
Ok. What about the angina part of the question. Nitro is only half the problem..right?
- 5,261
Per Transamerica's Agent Guide:
"When angina was diagnosed between 12 and 24 months ago, the answer to this question is yes. When angina was diagnosed 24 months ago or longer and ongoing prescriptions such as nitrates are prescribed, the answer to this portion of the question is no."
- 25,026
Be prepared to be owned. My granddaughter owns me and I am good with that. First time she put her arms out for me and said PaPa I wanted to buy her a car.
- 5,243
You know I'm playing Devil's Advocate, hopefully. It says nothing about First diagnosed, if said PI had some Angina 13 months ago and popped a pill...does that not restart the clock?
This is obviously different than isosorbide-mono nitrate. I'm specifically talking about a new bout of angina.
- 6,994
- 5,243
I know, but we have a dissenting opinion.
- 6,994
Nitro doesn't count as maintenance because it's not a daily medication. Like you said, it's for a sudden bout of angina, so either way it's going to cause a yes answer.
- 5,261
More info on angina.
The question is Angina an event like a heart attack or stroke, or a chronic condition like COPD?
Based on the wording of the Agent Guide, they are using the word "nitrates," which is a classification of a series of different medications, including nitro-tabs and isosorbide nitrate drugs.
I can see where the confusion lies.
I personally take the description "prescribed" means to medically direct the patient to use the medication in addition to fill it, meaning the applicant can take the meds to manage the diagnosis, and after two years of taking the prescribed meds, they can answer "no" to that particular question.
The question is Angina an event like a heart attack or stroke, or a chronic condition like COPD?
Based on the wording of the Agent Guide, they are using the word "nitrates," which is a classification of a series of different medications, including nitro-tabs and isosorbide nitrate drugs.
I can see where the confusion lies.
I personally take the description "prescribed" means to medically direct the patient to use the medication in addition to fill it, meaning the applicant can take the meds to manage the diagnosis, and after two years of taking the prescribed meds, they can answer "no" to that particular question.
