This Case Has Me Nervous

Have you ever seen a term policy that was converted at a lower price? Conversion is not an option. Aetna is almost $200 cheaper each month than what he has.
 
Aren't we compensated for a professional recommendation? And guiding the customer to make a decision that will give them the best overall result?

Do to the customer whatever you'd recommend to your mother.


I always treat people like I would my mom. I have no problem walking away from a sale.

I'd know if my mom had CHF or not. If this guy and his daughter insist that he doesn't have CHF, who are you to argue with them? They know what the risks are if they change.

Since you suggest that my recommendation isn't professional(and screw you for that).....what would you recommend?:mad:
 
I received a lead way back in December 2015. Ever since we have not been able to sit down. The other day I stopped by his house and took control of the situation. After making several calls found out that he has a $25,000 5YLT with American General that cancels at age 90 and is paying $557.31 monthly. He now is 80 and his birthday is 3/19 so I am pressed for time.
Aetna's $25,000 WL is 359.57 monthly.

Last Thursday I met with his 2 daughters and himself. Found out that he had a pacemaker implanted in 7/2015. He takes multiple drugs, but Eliquis was the only one that caused concern. Called underwriting at Aetna and was told they would consider him level because he is not a diabetic. When completing the application and got to #7A. I was told that about 8 years ago he went to the ER and was released and the doctor stated it may be CHF. I called Aetna again to get their opinion. Was told if he could answer NO to #7A. then he would be level. I asked him and his daughters again with the underwriter on the line has he been diagnosed, treated of had surgery for and they said NO that it was just the doctors opinion at the time and since he sees a heart specialist and he has never said anything about CHF. It was a local Band-Aid station hospital so they didn't give it much thought.

He answered NO to the question, but it still could come back to haunt me if he dies before 24 months. Don't know of another carrier who would write him level.

You may want to call Aetna again. Their old UW guide specific ally said "pacemaker in post 2 yrs is graded"

I doubt that has changed
 
You may want to call Aetna again. Their old UW guide specific ally said "pacemaker in post 2 yrs is graded"

I doubt that has changed

Good catch. Another example of having to look at the app(not mentioned on there), and the UW guide where it clearly says it goes back 24 months on a pacemaker on page 11.
 
I called Aetna for the 4th time on this case today. Told them the applicant had a pacemaker implanted in 7/2015 and he takes Eliquis(he is not a diabetic). I reference page 11 in the guide and they said level as long as he can answer all questions no.
 
I called Aetna for the 4th time on this case today. Told them the applicant had a pacemaker implanted in 7/2015 and he takes Eliquis(he is not a diabetic). I reference page 11 in the guide and they said level as long as he can answer all questions no.


They're starting to act like Oxford with their inconsistent UW.
 
I called Aetna for the 4th time on this case today. Told them the applicant had a pacemaker implanted in 7/2015 and he takes Eliquis(he is not a diabetic). I reference page 11 in the guide and they said level as long as he can answer all questions no.

I called them 17 times before I got them to tell me a different answer...
 
Aetna is pissing me off. I have a client who died (policy is 3 years old) and they sent the husband a packet to fill out before they would release the funds. It asks all the questions they would ask if they were contesting. Like they wanted all her dr. names/phone numbers, what caused her death and when did that health problem arise and the whole 9 yards!

I told him to just send in her name, policy number and death certificate.
 
Aetna is pissing me off. I have a client who died (policy is 3 years old) and they sent the husband a packet to fill out before they would release the funds. It asks all the questions they would ask if they were contesting. Like they wanted all her dr. names/phone numbers, what caused her death and when did that health problem arise and the whole 9 yards!

I told him to just send in her name, policy number and death certificate.

They can ignore all the health questions. They sent me everything as well, but really just need the claim form except for the health questions and policy.
 
I always treat people like I would my mom. I have no problem walking away from a sale.

I'd know if my mom had CHF or not. If this guy and his daughter insist that he doesn't have CHF, who are you to argue with them? They know what the risks are if they change.

Since you suggest that my recommendation isn't professional(and screw you for that).....what would you recommend?:mad:

Hey, screw you too! Now we are even. Based on your favorite humping emoji on here, it's safe to question your professionalism!

I hope this goes without saying but I'm kidding...kinda.
 
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