Level Coverage for Afib 11 Months Ago?

[senior-advisor-indiana]

Anyone know of a company for this one? Takes amiodarone.

 

[rousemark]

Anyone know of a company for this one? Takes amiodarone.

United National as long as no heart "surgery" in the last 12 months. Premium is high due to uni-smoker rates and liberal underwriting but it is immediate benefit.

 

[senior-advisor-indiana]

United National as long as no heart "surgery" in the last 12 months. Premium is high due to uni-smoker rates and liberal underwriting but it is immediate benefit.

They must be pretty high. I don't even see them on fexquotes....

 

[rousemark]

They must be pretty high. I don't even see them on fexquotes....

They are there for Indiana.. Male age 50 10K $45.67. Same rate for TU and NTU so they are high for a NTU, mid range NTU. Probably the simplest SIWL app around. Not diabetic friendly.

If the answer to any of the following question is “YES”, person(s) proposed for insurance does not qualify:

1. Within the past 10 years, has any person proposed for insurance been diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or tested positive to the antibodies to the AIDS or human immunodeficiency (HIV) virus?

2. Within the past 12 months has any person proposed for insurance had a stroke, heart attack or heart or blood vessel surgery?

3. Within the past 18 months has any person proposed for insurance had or been treated for congestive heart failure, cancer (other than skin cancer), dementia or problems with memory?

4. Within the past 5 years has any person proposed for insurance had or been treated for chronic obstructive lung disease, insulin dependent diabetes, chronic liver or kidney disease, ALS (Lou Gehrig’s Disease), sickle cell anemia or cystic fibrosis?

5. Does any person proposed for insurance require personal or mechanical assistance with any activities of daily living such as bathing, dressing, eating, toileting or mobility, use oxygen to aid in breathing or have been advised to have surgery?

 

[senior-advisor-indiana]

They are there for Indiana.. Male age 50 10K $45.67. Same rate for TU and NTU so they are high for a NTU, mid range NTU. Probably the simplest SIWL app around. Not diabetic friendly.

If the answer to any of the following question is “YES”, person(s) proposed for insurance does not qualify:

1. Within the past 10 years, has any person proposed for insurance been diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or tested positive to the antibodies to the AIDS or human immunodeficiency (HIV) virus?

2. Within the past 12 months has any person proposed for insurance had a stroke, heart attack or heart or blood vessel surgery?

3. Within the past 18 months has any person proposed for insurance had or been treated for congestive heart failure, cancer (other than skin cancer), dementia or problems with memory?

4. Within the past 5 years has any person proposed for insurance had or been treated for chronic obstructive lung disease, insulin dependent diabetes, chronic liver or kidney disease, ALS (Lou Gehrig’s Disease), sickle cell anemia or cystic fibrosis?

5. Does any person proposed for insurance require personal or mechanical assistance with any activities of daily living such as bathing, dressing, eating, toileting or mobility, use oxygen to aid in breathing or have been advised to have surgery?

I was looking for a 70 female 20-30k face amounts. Still don't see them.

 

[rousemark]

I was looking for a 70 female 20-30k face amounts. Still don't see them.

10K max at that age..

Here is the Indiana UW guide:

http://unlinsurance.com/Applications/PWL_Quick_Underwriting_Guide_IN.pdf

Just noticed you don't have the cancer plan. The cancer was the reason I contracted with them but have found a use for their life products on a couple of occasions.

You do have the Family Plan which is a very good little UW WL... It is also priced on FEX in the Traditional/SIWL section. 100K through 65 non med, 125K with just a blood draw and HOS.

 

[GreenSky]

Anyone know of a company for this one? Takes amiodarone.

You should ask your upline.

Rick

 

[inreverse]

check Oxford, liberal with Afib

 

[senior-advisor-indiana]

check Oxford, liberal with Afib

I checked and the meds she is on are on the flag list so I am going to call Amanda in the a.m. to check.

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You should ask your upline.

Rick

I did. He asked me not to write it because he is tired of paying for my chargebacks...

 

[onefastpony]

Anyone know of a company for this one? Takes amiodarone.

Foresters doesn't ask about AFIB, also Americo Eagle.