Case Help. 71,m,ns, HIV. No Gi Please.

Jakel

Super Genius
100+ Post Club
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I do not want to go the GI route. For obvious reasons(i.e. commish is dog poop). I mean minus the HIV(under control), he has no other issues. Not even on bp or diabetes-nothing. He has had hiv for about 10 years and is only on the 1 med. Very healthy height/weight. Very active, you would never even know he has it. Any carrier that will do a graded/modified or ROP deal for this guy?
 
You can stop right at HIV the rest is irrelevant that's guaranteed issue across the industry.
 
I do not want to go the GI route. For obvious reasons(i.e. commish is dog poop). I mean minus the HIV(under control), he has no other issues. Not even on bp or diabetes-nothing. He has had hiv for about 10 years and is only on the 1 med. Very healthy height/weight. Very active, you would never even know he has it. Any carrier that will do a graded/modified or ROP deal for this guy?

Unicorn Life will give him 1st day coverage. Dog poop commission is better than no commission. GI...........:yes:
 
I do not want to go the GI route. For obvious reasons(i.e. commish is dog poop). I mean minus the HIV(under control), he has no other issues. Not even on bp or diabetes-nothing. He has had hiv for about 10 years and is only on the 1 med. Very healthy height/weight. Very active, you would never even know he has it. Any carrier that will do a graded/modified or ROP deal for this guy?

Guarantee issue! Even if you could get ROP, would you really make your client pay 200 vs 50?
 
Maybe somebody from the squad can find a company that will. They have the 1,3,5,9 and 11th top agts in the country with Trinity. Last i recall they had 2 people working there Alvin and Misty. They've probably added a few more
 
Fantasy Life will take him all damn day. And...drum roll....they pay 140%!!, Need I say more? Ok here ya go: no chargeback for lapse or death. Wow!! Great deal!! As long as the insured has a heartbeat they will take them. I send all my clients:1tongue: to fantasy life. Ah the life.
 
I do not want to go the GI route. For obvious reasons(i.e. commish is dog poop). I mean minus the HIV(under control), he has no other issues. Not even on bp or diabetes-nothing. He has had hiv for about 10 years and is only on the 1 med. Very healthy height/weight. Very active, you would never even know he has it. Any carrier that will do a graded/modified or ROP deal for this guy?

Are you trolling? Seriously, you think that he doesn't have BP will make up for HIV?
 
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