I have always thought that SNL was more strict with their underwriting than most other carriers. Last Friday I submitted an application on a 55MT who had a heart attack in 2013 and had a stent implanted at the time. He takes numerous Rx-4 diabetic pills, a blood thinner, several pills for HBP, Metoprolol and yes he pulled Nitro out of his pocket. He said it was precautionary and he never uses it. I called the underwriter and was told that it would be OK if he only filled the Nitro annually and used as needed. I had to use an extra sheet of paper to list all of his drugs because the info wouldn't fit on the application. Also included his medical history. Issued preferred today.
Take Another Look at SNL
- Thread starter billyb
- Start date
- 913
That will one day change. No way can a carrier take on that level of risk and remain profitable. That guy will be dead in less than 8 years.
Like holy crap he is in terrible shape.
Like holy crap he is in terrible shape.
- 18,988
I also sent one in on Friday. Pretty healthy 40 year old lady. Just got an an email that they will only offer ROP.
- Thread starter
- #4
- 24,967
"" Pretty healthy""
Maybe your definition of pretty healthy is not quite the same as theirs.
- 18,988
Ya think? Of course they can't tell me because of the dastardly HIPAA regulations. Even though the agent is covered under HIPAA.
We are all in this together. Until we aren't.
- 3,990
I get an absolute kick out of the carrier using HIPPA against an agent who sat in the house with the client.
- Thread starter
- #8
- 337
They are great in certain situations. Hard to make them a go to though as long as insulin is standard with them and they give such a big hair cut starting at age 70 :/
- 3,990
How is there comission reductions laid out?
