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Final Expense : Customer Using Oxygen Equipment

Final Expense : Customer Using Oxygen Equipment


Scroll down for a discussion on Final Expense : Customer Using Oxygen Equipment within the Senior Insurance Forum.

My first post in the forum. I just started writing FE. My question is: Which carrier will take this customer, other than Lincoln Heritage: 84 ...

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Old 06-29-2009, 02:33 PM   #1
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My first post in the forum. I just started writing FE. My question is:

Which carrier will take this customer, other than Lincoln Heritage: 84 yr old and using oxygen equipment to breathe.

I'm currently with American Amicable and UHL, applying with Columbian. In Houston,tx
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Old 06-29-2009, 04:32 PM   #2
Jim
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There are some out there but LH is best. It pays well and you would not have to worry about charge back due to death.


Jim Sowder
Family 1st Insurance Brokerage
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[COLOR=#0000ff]jimsowder@family1stinsurancebrokerage.com[/COLOR]





Originally Posted by efo2009 View Post
My first post in the forum. I just started writing FE. My question is:

Which carrier will take this customer, other than Lincoln Heritage: 84 yr old and using oxygen equipment to breathe.

I'm currently with American Amicable and UHL, applying with Columbian. In Houston,tx
Jim is offline   Reply With Quote to Final Expense : Customer Using Oxygen Equipment
Old 06-29-2009, 08:12 PM   #3
ALG
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ALG on Final Expense : Customer Using Oxygen Equipment - Insurance Agent Forum
 
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Re: Final Expense : Customer Using Oxygen Equipment             Go to Top
Is the oxygen for COPD or Sleep Apnea?
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Old 06-29-2009, 10:27 PM   #4
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Re: Final Expense : Customer Using Oxygen Equipment             Go to Top
COPD ... but what is the difference if Sleep Apnea (underwriting) ...?
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Old 06-29-2009, 11:18 PM   #5
ALG
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ALG on Final Expense : Customer Using Oxygen Equipment - Insurance Agent Forum
 
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Re: Final Expense : Customer Using Oxygen Equipment             Go to Top
A diagnosis of Sleep Apnea is still Insurable with most carriers and can be corrected with surgery. Not true with COPD, so clarify why they use Oxygen.
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Old 07-01-2009, 12:06 AM   #6
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I got him OK with the oxygen sleep apnea. Thank You because I thought oxygen "always" was a no-no...

I have another client today declined, everything fine but "receiving home health care" ... with columbian/american amicable ... I think LH will take it
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Old 07-01-2009, 12:13 AM   #7
ALG
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ALG on Final Expense : Customer Using Oxygen Equipment - Insurance Agent Forum
 
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Great, Glad it Helped.

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