Insurance On Cirrhosis

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Old 04-08-2011, 04:17 PM   #1
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Would you consider it a terminal illness?

Client has stage 1 cirrhosis, application asks "have you been diagnosed with a terminal illness?" What are your thoughts
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Old 04-08-2011, 04:22 PM   #2
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VolAgent on Insurance On Cirrhosis - Insurance Forum
 
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What does the doctor's notes say? Any time frame given?
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Old 04-08-2011, 04:26 PM   #3
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Originally Posted by VolAgent View Post
What does the doctor's notes say? Any time frame given?
Bingo!
....
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Old 04-08-2011, 04:30 PM   #4
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VolAgent on Insurance On Cirrhosis - Insurance Forum
 
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Originally Posted by Fisher View Post
Bingo!
....
White lab coats have been known to cause the death of many life insurance sales.
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Old 04-08-2011, 05:23 PM   #5
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LGilmore on Insurance On Cirrhosis - Insurance Forum
 
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Insurance On Cirrhosis Re: Cirrhosis
"Would you consider it a terminal illness?"

Doesn't matter what we say, you must ask the gods. Aka Underwriters. With many companies you can look up automatic declines before the conversation.
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Old 04-08-2011, 08:44 PM   #6
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Insurance On Cirrhosis Re: Cirrhosis jemelton is the thread starter for: Insurance On Cirrhosis

There has been no timeframe given and no guidelines that it is an automatic decline..........it is a graded policy.

I specifically asked the wife "have they told him that it is terminal" and she said no.

I'm thinking it will be ok but there is no phone interview and the underwriting will be done on the backend (which scares me always)
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Old 04-08-2011, 08:51 PM   #7
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Fisher on Insurance On Cirrhosis - Insurance Forum
 
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Answer the app questions truthfully and don't play the 'what-if' game. 'Terminal' has a timeframe.

What company?
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Old 04-09-2011, 04:13 AM   #8
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mustfastpitch on Insurance On Cirrhosis - Insurance Forum
 
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Better they hear the decline before the application then after the death claim.

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God Is Great, Beer Is Good and People Are Crazy.
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Old 04-13-2011, 01:49 AM   #9
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I searched a lot of sites for the insurance cover for the cirrhosis, and found nothing, it should be taken as the critical condition my opinion.

commercial liability insurance
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Last edited by stevenricherd; 04-25-2011 at 04:36 AM.
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Old 04-13-2011, 08:18 AM   #10
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stage one can possibly get an offer.
If he still drinks alcohol it's a decline for sure.
When was he diagnosed?
Can you get a copy of his last couple of labs?

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P Doyle
Crisis Management / CPS Gulf States Brokerage
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