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How do you figure out who will be able to approve a certain candidate. I had a guy a while ago that Banner Life declined due to diabetes, stroke and high blood pressure but then a few weeks later tells me he just got approved for Transamerica.
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How do you figure out who will be able to approve a certain candidate. I had a guy a while ago that Banner Life declined due to diabetes, stroke and high blood pressure but then a few weeks later tells me he just got approved for Transamerica.
How do you figure out who will be able to approve a certain candidate. I had a guy a while ago that Banner Life declined due to diabetes, stroke and high blood pressure but then a few weeks later tells me he just got approved for Transamerica.
How do you figure out who will be able to approve a certain candidate. I had a guy a while ago that Banner Life declined due to diabetes, stroke and high blood pressure but then a few weeks later tells me he just got approved for Transamerica.
How do you figure out who will be able to approve a certain candidate. I had a guy a while ago that Banner Life declined due to diabetes, stroke and high blood pressure but then a few weeks later tells me he just got approved for Transamerica.
Was Banner a flat decline or rating or a postpone? Was the TA a rated term or permanent or siwl? I do not know how many tables express has built in but getting a FU TA policy issued in a few weeks with aps after a decline is pretty good. Assuming there was an MIB hit.
The guy didn't know any of the details so I plan on asking him once he receives his policy. Banner was a flat out decline. I couldn't believe TA accepted him.
Very well could be he is not getting what he thinks he is.
You need to work with a good BGA/IMO to help you with these cases.
Pinney actually has a health rater that is built into their EZLife quote software. You enter medical info and then it shows you the carriers that will be most accommodating to those conditions. They also have an in-house underwriter who you can run cases by and get recommendations from.
Also remember that you can look up the UW guides yourself and prescreen clients with different carriers that way. Often a google search will yield the UW guide. The key is to get very detailed answers if a client has a medical condition.
Also, with Trans, are you sure it wasnt their SI WL product? Often clients do not tell the complete story, especially when they get coverage from another agent.