craigmac1977
Expert
Anyone know of a Final expense company that takes a person with Multiple Sclerosis that isn't a guarantee issue.
Thanks
Thanks
Underwriting
- Thread starter craigmac1977
- Start date
- 29,492
Foresters(Level Preferred), GCU(Level Standard), Accendo(Level Standard), Sentinel Security(Graded 30%/70%/100%), GTL(Graded 5%/50%/100%).
The age they were 1st diagnosed, whether or not they're in a wheelchair and whether or not they can perform all of their ADL's can cause a decline.
- 3,992
https://insurancetoolkits.com/
Subscribe for all your underwriting answers, mortgage protection, fe and med sup.
Subscribe for all your underwriting answers, mortgage protection, fe and med sup.
- 29,492
I used it to answer the question. Much easier than checking a cheat sheet or apps/UW Guides.
- Thread starter
- #5
craigmac1977
Expert
Thank you sir.
- Thread starter
- #6
craigmac1977
Expert
I got another one for you Goillini52. Do you know of any companies that dont do MIB check? I have two clients that are on a lot of pain meds and they both take a medication that is to prevent a possible overdose. When I submit an application the insurance companies think these people are drug addicts.
- 3,992
Snl& oxford
The 2 co’s that Baseball listed don’t check the mib but the drug which is probably Narcan will show up on the rx check . That will probably be rop with snl and a decline with Oxford even if they never took. Years ago Trans took that preferred if never used but no more. I think Family benefit will take it if it was never used .
- Thread starter
- #9
craigmac1977
Expert
Narcan, exactly. thats it.
- 29,492
Oxford would be a decline if they've been declined in the past 2 years.
