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Reply to Neuropathy Day 1 Coverage     
Old 08-10-2017, 04:32 PM   #11
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by dabulls View Post
I've had clients on only metformin or januvia (no insulin)with neuropathy.
Dang. I have not.

Originally Posted by Broker4Ever View Post
Correct, didn't see the insulin part. My bad.
I wasn't trying to point out you being wrong. I only mentioned it in case something had changed.
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Old 08-10-2017, 04:36 PM   #12
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kuhn123 on Neuropathy Day 1 Coverage
 
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by suranceman View Post
American Home Life will offer them day one coverage. 20K=$54.28

Fyi, Linocoln heritage is day one coverage for Neuropathy.

I'm in SC so I can write it if you want.
AHL will not offer Day1 coverage with insulin use.
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Old 08-10-2017, 04:57 PM   #13
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by kuhn123 View Post
AHL will not offer Day1 coverage with insulin use.
Then my cheat sheet is wrong. Thanks!
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Old 08-10-2017, 07:03 PM   #14
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Mattschmidt on Neuropathy Day 1 Coverage
 
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by Broker4Ever View Post
Transamerica day 1 coverage .
20k is $52.50 per month.
Maybe Primerica, AllState, or AAA can provide coverage since you represent them. Check out this screen shot from Michael's web page intentionally misleading the general public
Attached Images
File Type: jpg Screenshot (35).jpg (56.1 KB, 28 views)
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Old 08-10-2017, 07:07 PM   #15
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by suranceman View Post
American Home Life will offer them day one coverage. 20K=$54.28

Fyi, Linocoln heritage is day one coverage for Neuropathy.

I'm in SC so I can write it if you want.
Diabetic complications is modified with LH
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Old 08-10-2017, 07:09 PM   #16
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by Baseball7 View Post
Diabetic complications is modified with LH
Sorry your information is outdated. I have a LH agent friend and he confirmed this to be true.
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Old 08-10-2017, 07:51 PM   #17
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by suranceman View Post
Sorry your information is outdated. I have a LH agent friend and he confirmed this to be true.
I'm sure he told you that and would write it and it would probably be approved. But they better hope they make it 2 years because LH says that's not level coverage.

If you were to ask the company, that is.
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Old 08-10-2017, 08:08 PM   #18
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by jdeasy View Post
I'm sure he told you that and would write it and it would probably be approved. But they better hope they make it 2 years because LH says that's not level coverage.

If you were to ask the company, that is.
There app says "diabetic complications in the last 2 yrs" but neuropathy is a have you EVER issue, it's a perm. condition not a medical event like say a high or low blood sugar event.
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Old 08-10-2017, 08:26 PM   #19
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Neuropathy Day 1 Coverage
Originally Posted by jdeasy View Post

I'm sure he told you that and would write it and it would probably be approved. But they better hope they make it 2 years because LH says that's not level coverage.

If you were to ask the company, that is.
Very interesting thing happened yesterday. I had a lady that has taken out a LH policy back in Jan. She had a stack of stuff from different insurance plans she had and one thing was a letter from LH. I asked if I could open it and once I did I was surprised.

The letter States that it is very important that she review the attached health questionnaire for accuracy. Attached was the health question page from the app.

I was impressed with LH for this. To many companies look the other way on clean sheeting. They are being proactive.

Still replaced it tho
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Old 08-10-2017, 08:34 PM   #20
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Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by indiana260 View Post
Very interesting thing happened yesterday. I had a lady that has taken out a LH policy back in Jan. She had a stack of stuff from different insurance plans she had and one thing was a letter from LH. I asked if I could open it and once I did I was surprised.

The letter States that it is very important that she review the attached health questionnaire for accuracy. Attached was the health question page from the app.

I was impressed with LH for this. To many companies look the other way on clean sheeting. They are being proactive.

Still replaced it tho
I've seen those too. There was a local agent with them, may still be?, that was restricted from writing insulin diabetics with LH. I argued with him about it because I used to be with LH. I told him that LH did write insulin diabetics level. he said, no you misunderstood, "I can't write insulin diabetics".

I asked what he meant and all he would say is, 'long story".
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