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COPD is not listed on their application but they are telling me it's a knockout anyway.
Did I talk to a clueless person at Equitable or is that really the deal?
Did I talk to a clueless person at Equitable or is that really the deal?
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COPD is not listed on their application but they are telling me it's a knockout anyway.
Did I talk to a clueless person at Equitable or is that really the deal?
COPD is not listed on their application but they are telling me it's a knockout anyway.
Did I talk to a clueless person at Equitable or is that really the deal?
I agree with Jimmy, but COPD is mentioned in the UW guide, It says COPD with oxygen use is a decline, so the person you talked to is clueless. Theyshould accept that case.
I've learned to call the POS # instead of UW for an UW question.
I had that conversation with her. First she told me it was on the app in section 5. I told her it wasn't in section 5 on the Ky app. I told her the questions were in section 7 and only asked about oxygen which my client is not on. Nor is she a smoker and has never smoked. She says she got COPD from working in a plastics factory.
Then this "underwriter" told me that they will ask about COPD on the phone interview and will decline it. I asked if they would ask about something not on the application and she said yes.
I asked why they had ultimate and standard and she said that was just for insulin use.
I asked her again if she was sure or if I needed to speak with someone else. She said she was 100% sure and anyone else there would tell me the same thing.
I had that conversation with her. First she told me it was on the app in section 5. I told her it wasn't in section 5 on the Ky app. I told her the questions were in section 7 and only asked about oxygen which my client is not on. Nor is she a smoker and has never smoked. She says she got COPD from working in a plastics factory.
Then this "underwriter" told me that they will ask about COPD on the phone interview and will decline it. I asked if they would ask about something not on the application and she said yes.
I asked why they had ultimate and standard and she said that was just for insulin use.
I asked her again if she was sure or if I needed to speak with someone else. She said she was 100% sure and anyone else there would tell me the same thing.
She did say that people with COPD are usually on a lot of meds for it. I told her I agreed but this lady was not. Still insisted it was a decline.
I had that conversation with her. First she told me it was on the app in section 5. I told her it wasn't in section 5 on the Ky app. I told her the questions were in section 7 and only asked about oxygen which my client is not on. Nor is she a smoker and has never smoked. She says she got COPD from working in a plastics factory.
Then this "underwriter" told me that they will ask about COPD on the phone interview and will decline it. I asked if they would ask about something not on the application and she said yes.
I asked why they had ultimate and standard and she said that was just for insulin use.
I asked her again if she was sure or if I needed to speak with someone else. She said she was 100% sure and anyone else there would tell me the same thing.
She did say that people with COPD are usually on a lot of meds for it. I told her I agreed but this lady was not. Still insisted it was a decline.