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.
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.
