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Reply to STANDARD for Parkinsons?     
Old 09-11-2017, 11:08 AM   #11
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by suranceman View Post
You got Parkinson's people placed with RNA for their level policy?

Their question says:

During the past 24 months, has the Proposed Insured been diagnosed as having, or been treated for: ... Parkinson's disease?

So since they had it (even though no treatment) wouldn't they need to say yes to that question which would result in a graded plan?

Not trying to call you out here. I'm sincerely asking because I'd like to know if I'm wrong. Having another option for Parkinson's clients would be great!

How is that question not clear?

If they haven't been diagnosed or treated in the last 2 years the answer is no to that question.

I've had many answer no to that question. Diagnosed more than 2 years ago and no treatment in the last 2 years.

One of them died in the contestable period and RNA paid the claim.
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Old 09-11-2017, 11:14 AM   #12
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by jdeasy View Post
How is that question not clear?

If they haven't been diagnosed or treated in the last 2 years the answer is no to that question.

I've had many answer no to that question. Diagnosed more than 2 years ago and no treatment in the last 2 years.

One of them died in the contestable period and RNA paid the claim.
So the question is really asking:

Have you been initially diagnosed as having?

Didn't know that.

Thanks!
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Old 09-11-2017, 11:29 AM   #13
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons? Labesky is the thread starter for: STANDARD for Parkinsons?

Ok so---KSKJ, Trans, Americo and Americo Eagle (not familiar with Eagle)

Sound right?
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Old 09-11-2017, 11:33 AM   #14
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by suranceman View Post
So the question is really asking:

Have you been initially diagnosed as having?

Didn't know that.

Thanks!
I really do not understand the issue here.
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Old 09-11-2017, 11:50 AM   #15
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Depending on what state you're in eagle premier also includes common carrier and accidental death within the premium.
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Old 09-11-2017, 05:43 PM   #16
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by Labesky View Post
Ok so---KSKJ, Trans, Americo and Americo Eagle (not familiar with Eagle)

Sound right?
Eagle is approved at point of sale by using Americo app or telephone interview. No paper app.

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The insurance agent; the only person that brings a check for the funeral.
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Old 09-11-2017, 06:38 PM   #17
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Todd King on STANDARD for Parkinsons?
 
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by jdeasy View Post
I really do not understand the issue here.
He was reading the question as ....have you been diagnosed as having (presently) .....
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Old 09-11-2017, 06:39 PM   #18
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Not my area at all...but I'm actually amazed carriers will issue std on that. Good for the client.

So out of curiosity... what would be a typical policy for this person, and what would the typical premium be?
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Old 09-11-2017, 07:05 PM   #19
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
Originally Posted by pfg1 View Post
Not my area at all...but I'm actually amazed carriers will issue std on that. Good for the client.

So out of curiosity... what would be a typical policy for this person, and what would the typical premium be?
KSKJ is $93/mo for $10K. Trans is $125/mo for $10K. Either would go to $25K for him.
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Old 09-11-2017, 07:09 PM   #20
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STANDARD for Parkinsons? Re: STANDARD for Parkinsons?
I have no idea how KSKJ can accept so much risk at such low rates. They literally take 90% of stuff with a day one benefit.
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