Last week I wrote a post about having 3 cases declined in 1 day. Today I saw 1 of them again. She has been an insulin dependent diabetic since age 45, has neuropathy, had a stroke in 1/2013 receives home health care M-F, needs help bathing, uses a walker and is disabled at age 57.
I found out that Royal Neighbors had relaxed their underwriting recently. They do not ask about HHC, neuropathy, activities of daily living, use of a walker, stroke after 24 months, disability and insulin is OK unless before the age of 30. App was done over the phone. Issued with an immediate death benefit. You may want to give RNA a look for those hard to place cases.
I found out that Royal Neighbors had relaxed their underwriting recently. They do not ask about HHC, neuropathy, activities of daily living, use of a walker, stroke after 24 months, disability and insulin is OK unless before the age of 30. App was done over the phone. Issued with an immediate death benefit. You may want to give RNA a look for those hard to place cases.
