Awe Bugglesnots

R. Paul Aguirre · 10-23-2009, 02:27 AM

Got your attention huh? Haha. I am working on a nice little term policy for a friend of the family and he just got denied with Trans due to this "showing an elevated glucose of 134 and an elevated glycohemoglobin A1c result of 7.2" he is a 52 year old healthy male other than the diabetes. Do you guys have any suggestions as to where he might find a good home based on those numbers? As always any help is really appreciated.

scagnt83 · 10-23-2009, 03:01 AM

Lincoln financial, or west coast life might take him

rags2riches · 10-23-2009, 03:12 AM

Yeah Lincoln Financial for sure, I've written a similar case with them here in Florida.

R. Paul Aguirre · 10-23-2009, 03:22 AM

Thanks guys. I will contact their underwriting team and see what the deal is.

dgoldenz · 10-23-2009, 04:48 AM

John Hancock is also good on diabetics.

insuranceexec · 10-23-2009, 07:19 AM

You can also try Aviva and North American with their table shave programs.

The problem here is his A1C @ 7.2; but it should not be a deal breaker. I hope this helps.......

LGilmore · 10-23-2009, 08:09 PM

The 7.2 A1C means his average blood sugars are in the 150-160's range. I use CPS to run options for my impaired risk people and usually they'll offer 2 or 3 choices.

How are his other specs?

I'm a type II diabetic (since age 40) and depending on his other issues, if clean he could possibly get a standard rating from some to lower table rating. It kind of will depend on the other factors.

*STIBROKER@AUSTIN.RR.COM* · 10-23-2009, 09:32 PM

Originally Posted by R. Paul Aguirre

Got your attention huh? Haha. I am working on a nice little term policy for a friend of the family and he just got denied with Trans ....

Weird....I got one declined by them this morning .....for something different though......checking with west coast next.....

R. Paul Aguirre · 10-30-2009, 07:28 PM

Lincoln gave a prelim of Table D to F. I sent it to them and Pru as trials. Will let you guys know what happens. Thanks for the input. As a side note, I ran 6 companies today for cash building policies on a couple and Lincoln blew the other 5 carriers out of the water. Thought i would throw that in there. Go Lincoln