Trans revamped their fe product . Copd graded now

[DonP]

I haven’t wrote a trans in a long time . Got an email this afternoon they revamped the fe product .More real time decisions and easier E-App . I was looking at the guide . One of the only things they were good for was copd . That’s graded now so worthless . Graded with trans is the modified and crazy exp . Rates look the same

 

[goillini52]

I haven’t rode a trans in a long time .

 

[jdeasy]

I haven’t wrote a trans in a long time . Got an email this afternoon they revamped the fe product .More real time decisions and easier E-App . I was looking at the guide . One of the only things they were good for was copd . That’s graded now so worthless . Graded with trans is the modified and crazy exp . Rates look the same

I did see they are saying instant decision. I did not see anything about the copd.

 

[DonP]

I did see they are saying instant decision. I did not see anything about the copd.

Open up the 24 page agent guide they provided . It shows about 15 ailments and what level it will be .

 

[jdeasy]

Open up the 24 page agent guide they provided . It shows about 15 ailments and what level it will be .

I didn't get the notification. I just saw it on our Groupme.

 

[DonP]

There it is

 

[Baseball7]

Toolkit has this info and will be updated accordingly too.

 

[noah]

There it is

Diabetes……standard……metformin only,no insulin?
Unclear ?

 

[DonP]

Also another issue is they list heart disease as standard now . That was always preferred as I recall . Haven’t written Trans in a long time but they used to take heavy heart stuff preferred. They even took nitro prescribed 2 yrs or more standard .Their guide is only 2 pages and breaks no medications down . The hr/wt guide 40 lbs less that many carriers . The max weight for standard is still within preferred with many carriers . Under the guise of trying to attract fe business back with easier this and that it looks like they tightened underwriting.

 

[BobHarris]

Also another issue is they list heart disease as standard now . That was always preferred as I recall . Haven’t written Trans in a long time but they used to take heavy heart stuff preferred. They even took nitro prescribed 2 yrs or more standard .Their guide is only 2 pages and breaks no medications down . The hr/wt guide 40 lbs less that many carriers . The max weight for standard is still within preferred with many carriers . Under the guise of trying to attract fe business back with easier this and that it looks like they tightened underwriting.

Would you post the entire agent/UW guide?