Applying for life insurance with history of hospitalization.

[WinoBlues]

The premium isn't the problem. It's the health issue. So it will cost what it costs.

Many times we as agents tend to try to fix a problem that is not ours.
We didn't break it.
The premium is not the problem the premium is the solution to the problem or the cost of the solution.

Play stupid games, win stupid prizes. My kids, especially the boys, sure hated that saying. They could build a trophy room with stupid prizes. Same as the old man.

 

[scagnt83]

This is what my brokerage said "Unfortunately alcohol induced pancreatitus is a decline with all carriers for a long time. Some carriers won't ever take it no matter how long ago. Some will take 10 years out with no recurrence. They will test for elevated liver function. Even then it is tough to get issued without table ratings. Most carriers are doing medical claims data pulls now, especially on 1M face, so they will find out even if you do not disclose it."

In my opinion. A situation like this needs to be pre-screened for an informal UW opinion directly with carriers, not the IMO.

IMO is a good starting point. But they or the agent should be sending in the specifics to multiple carriers to get an informal UW opinion.

IMOs that give blanket UW answers scare me. Call or email the carrier and see what they say... thats what they get paid for. But then you have the issue of "what carriers do they offer and which are their go-to for this type of condition".

 

[billyb]

The brokerage that I submit my FU applications to has been doing term for years. They bought TermProvider from Gary Paulzak. Todd Landau has never failed me and I trust what he says. No one on this forum works with the underwriters of different carriers like he does every day. If he doesn't think the case isn't worth pursuing then I am good with that. Let the guy go ahead and apply and when he is declined an MIB hit will appear if he ever reapplies again.

 

[billyb]

I have gotten clients coverage with this exact condition after 5 years so I'm not sure where this "10 years to never" response comes from.

Then you should tell the guy which company would issue the case so he can pursue it.

 

[Tahoe Ray]

Then you should tell the guy which company would issue the case so he can pursue it.

I get paid for my advice.

I also work with underwriters every day. I'm not infallible but I already gave OP a very viable option earlier in the thread.

I know you love your IMO but there are lot of us out here who have done this a long time as well.

 

[goillini52]

Too much orange?

You must not be a Tennessee or Texas fan. No such thing as too much orange in those places.

It wasn't just the colors that blinded me.

 

[goillini52]

A buddy of mine's stepson has a midget wrestling show. He is booked solid. I am surprised at how popular it is, says it is primarily a midwest and southern thing. .

 

[vic120]

What are you trying to do run Scare Mark out of this thread?

 

[somarco]

@Markthebroker & @Travis Price for political party with this lovefest. You could start a new show or podcast like Cross-fire or the Hannity & Combs where they talk topics without being in an echo chamber

Alan Combs left this world in 2017.

You don't get out much, do you?

 

[Allen Trent]

Alan Combs left this world in 2017.

You don't get out much, do you?

Lol. No, I know he did. Just saying we could use some people on a show with various opinions rather than 5 channels that are full of liberal opinions & 1 with conservative. Why not some show with both?