Underwriting?!

agentexhorter · 11-12-2009, 08:04 PM

Originally Posted by Jessica Durphy

I am selling a lot of Med. Supps up here in Pa.. the more I get into this the more I love it! BUT, as you do with the elderly crowd, you run into a lot of health issues.... If underwriting is pretty much the same across the board, why is that one company will accept you if you can "fog a mirror" yet another company will not accept you if you have emphysema or had a hip replacement 3 years ago?

I've read on here that AARP will accept you no matter what...or with only a few acceptions. But New Era, Gerber, or any other compnay that I have been appointed with denies a senior with such problems as listed above!

Back in April, I spoke with a lady yesterday, she and her husband got a Med. Supp from Bankers Life (plan J)... now she had Spinal Stenosis Surgery 3 years ago, hip replacement 2 1/2 years ago (not due to a disease), and she has COPD (not being treated for... under control... she was told 10 years ago that she had it), but according to the underwriting SHE WILL BE A DENIAL!!! Obviously, I will tell her to just stay with Bankers, but she's paying 190.00 a month for it, where I can get her into a plan F with Gerber for $135.00 a month..

Just curious what you fellas do?? How do you handle her question about... Why did they accept me and nothing has changed in my health since April... but you won't! Her husband is a wonderful candidate.. he's as healthy as a 74 year old can be... i know I can help him, I just hate that I can't help her as well!!!

Any comments or suggestions will be appreciated!

may not be as hard to place as you think, email me if you are still looking to find her a supplement

Jessica Durphy · 11-13-2009, 06:13 AM

Originally Posted by agentexhorter

how old is the lady? what zipcode does she live in?

This lady is 74, her zip code is 16927... Harrison Valley, PA

VaDwayne · 11-13-2009, 09:16 AM

Originally Posted by Frank Stastny

With a name like Stastny I'm tickled to death when the get the "S" at the beginning of my name correct.

How could I get my hero's name wrong. That is equivalent to Supperman or Beatman and Rawbone.

Sorry!!!!!

agentexhorter · 11-13-2009, 10:15 AM

Originally Posted by Jessica Durphy

This lady is 74, her zip code is 16927... Harrison Valley, PA

based on your original post, and assuming no medications are taken counter indicating the situation described, this lady would get a Plan J for $141 or Plan F for $135

I can help you get contracted with that carrier if your interested. email me and we can talk.