Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE


Go Back   Insurance Forums > Insurance Agents and Brokers Forum > Final Expense Forum

Reply to Neuropathy Day 1 Coverage     
Old 08-10-2017, 08:55 PM   #21
Super Genius
Surancedawg on Neuropathy Day 1 Coverage
 
Join Date: Jun 2013
Posts:205
State: Surancedawg is an Insurance Agent from Undisclosed Location
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
SLAICO will approve them for Sub-Standard Level if they are on insulin, even if they've got neuropathy, retinopathy, nephropathy and had both legs amputated. They do not even ask about diabetic complications. And you can sell it over the phone.

------------------------------------
Sniffing out the best deals in insurance
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 03:07 PM   #22
Super Genius
 
Join Date: Mar 2015
Posts:59
State: Redward is an Insurance Agent from Illinois
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.
Just thought I'd point out that it doesn't look like Oxford would write this case. Oxford's question #5 - what'd you do with the part about diabetic neuropathy ever? Doesn't say they have to be insulin dependent. Am I missing something?
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 08:46 PM   #23
Guru
dabulls on Neuropathy Day 1 Coverage
 
Join Date: Jul 2014
Posts:263
State: dabulls is an Insurance Agent from Florida
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by Redward View Post
Just thought I'd point out that it doesn't look like Oxford would write this case. Oxford's question #5 - what'd you do with the part about diabetic neuropathy ever? Doesn't say they have to be insulin dependent. Am I missing something?
Unless they changed their app. It only asks on Question #5 about insulin shock, diabetic coma, insulin before age 50 (which might knock it out) or diabetes before age 30.

Sometimes these bastards change their underwriting and the emails get lost in my spam.

------------------------------------

Last edited by dabulls; 08-11-2017 at 08:59 PM.
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 09:31 PM   #24
New Member
 
Join Date: Jun 2017
Posts:11
State: tribetime32 is an Insurance Agent from
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by randallcunn12 View Post
Besides Royal will anyone do a level on a 54 year old female-20k-sc with insulin and neuropathy ? She got a quote from Lincoln at $70 a month but will they offer day one coverage and level rate and death benefit for the rest of her life ? If so will just tell her to go there but would like to capture the sale....thx
I have multiple cases with Trinity with this very thing. They are great with insulin and neuropathy. Prosperity is good for these as well and is generally a dollar or two more expensive than Trinity, but their contracts in my experience in general are a bit higher for the agent. I talked to a mutual Of Omaha underwriter last week and they told me they would take gabapentin/lyrica for neuropathy level as long as there is no diabetes. Hopefully this is helpful.
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 09:38 PM   #25
Guru
 
Join Date: Jun 2015
Posts:1,345
State: Baseball7 is an Insurance Agent from Undisclosed Location
Baseball7 is a member of 1000 posts VIP club
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
How would you have neuropathy alone?
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 10:00 PM   #26
Guru
HoosierLife on Neuropathy Day 1 Coverage
 
Join Date: Oct 2012
Posts:4,838
State: HoosierLife is an Insurance Agent from Indiana
HoosierLife is a member of 1000 posts VIP club
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by tribetime32 View Post
I have multiple cases with Trinity with this very thing. They are great with insulin and neuropathy. Prosperity is good for these as well and is generally a dollar or two more expensive than Trinity, but their contracts in my experience in general are a bit higher for the agent. I talked to a mutual Of Omaha underwriter last week and they told me they would take gabapentin/lyrica for neuropathy level as long as there is no diabetes. Hopefully this is helpful.
Prosperity will not take neuropathy level with diabetes.
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-11-2017, 11:34 PM   #27
Super Genius
 
Join Date: Mar 2015
Posts:59
State: Redward is an Insurance Agent from Illinois
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by dabulls View Post
Unless they changed their app. It only asks on Question #5 about insulin shock, diabetic coma, insulin before age 50 (which might knock it out) or diabetes before age 30.

Sometimes these bastards change their underwriting and the emails get lost in my spam.
Yes, I have the newest Application for IL/WI/IA and that is the language now concerning Neuropathy EVER. On this post on page 1 someone else mentioned the same thing too. I assume SC's Application is not State specific
. Might want to check their website.

----------

Originally Posted by Baseball7 View Post
How would you have neuropathy alone?
There are multiple non-diabetic causes of Neuropathy. Mine's been diagnosed as an auto-immune Idiopathic Autonomic Peripheral Neuropathy. They really don't know it's full cause beyond some errant gene gone recently crazy. All of it went down within a month about 16-18 months ago.
It has changed my formerly taken for granted active life and I have ok days and 'weird' days that I'm still getting used to. Lyrica takes the edge off my various deep pains and cramps in both feet not simutaneously, but doesn't make up for my poor equilibrium or lack of energy or endurance. Not complaining though. I don't have it as bad as others who suffer much more with it. Just sort of educating you as you asked, not looking for sympathy.
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-12-2017, 07:45 PM   #28
New Member
 
Join Date: Jun 2017
Posts:11
State: tribetime32 is an Insurance Agent from
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Originally Posted by HoosierLife View Post
Prosperity will not take neuropathy level with diabetes.
I may be wrong, but I don't see anything on the application or prescription guide that deals with neuropathy. Have you had any diabetes/neuropathy get declined with prosperity? Definitely want to get this right in the future. Thanks for your help!
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-13-2017, 10:36 AM   #29
Guru
 
Join Date: Jun 2012
Posts:427
State: Jack B is an Insurance Agent from New York
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
I had app. rated for neuropathy, I was told by underwriting its included in complications from diabetes in app.

------------------------------------
NYC FE Mentor
  Reply With Quote to Neuropathy Day 1 Coverage
Old 08-13-2017, 04:23 PM   #30
Guru
HoosierLife on Neuropathy Day 1 Coverage
 
Join Date: Oct 2012
Posts:4,838
State: HoosierLife is an Insurance Agent from Indiana
HoosierLife is a member of 1000 posts VIP club
Neuropathy Day 1 Coverage Re: Neuropathy Day 1 Coverage
Read the UW guide. It specifically mentions neuropathy as a no go.
------------------------------------
  Reply With Quote to Neuropathy Day 1 Coverage
Reply to Neuropathy Day 1 Coverage 

  Insurance Agent Forum > Insurance Forums > Insurance Agents and Brokers Forum > Final Expense Forum




Similar Threads with Neuropathy Day 1 Coverage
Thread Thread Starter Forum Replies Last Post
Help with prospect for 1st day coverage thespur1 Final Expense Forum 6 06-08-2017 07:23 PM
STM As a Viable Alternative for Obamacare Paradigm Health Insurance and Ancillary Benefits 29 06-21-2016 09:02 AM
Looking for Same Day Coverage tcarlj Life Insurance Forum 5 08-06-2009 10:43 AM



All times are GMT -5. The time now is 08:46 AM.

Forum enabled with vBulletin®
Copyright ©2000 - 2017, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

Where do we go from here? POLL
Nothing - No ACA fixes - status quo
29.82 %
HHS Rulings and band aid bills
17.54 %
Hail Mary repeal and/or replace bill
17.54 %
A bipartisan bill to fix ACA
35.09 %

Voters: 57. This poll is closed