58 MNT Afib, Anybody Do Level?

[nfl72]

I have a client 58 MNT was very very healthy. Last November went in to have a fatty tissue removed and when he came out from the ether he was told he has afib. He is now on Plavix and coreg. He wants 30K. Will anybody do him level? 5 " 11" 210. he was turned down by state farm.

I use snl,,foresters, Aetna, rna, uhl

 

[jdeasy]

I have a client 58 MNT was very very healthy. Last November went in to have a fatty tissue removed and when he came out from the ether he was told he has afib. He is now on Plavix and coreg. He wants 30K. Will anybody do him level? 5 " 11" 210. he was turned down by state farm.

I use snl,,foresters, Aetna, rna, uhl

RNA but will only do $25K

 

[nfl72]

I read the RNA app and 5A. asks about cardiomyopathy, which I was told AFIB falls under. I was told that by a former up line. Was he wrong? It wouldn't surprise me if he was.

 

[Rearden]

I read the RNA app and 5A. asks about cardiomyopathy, which I was told AFIB falls under. I was told that by a former up line. Was he wrong? It wouldn't surprise me if he was.

He's definitely wrong.

 

[HoosierLife]

Yeah RNA is the go to for Afib.

 

[nfl72]

Good to know, thanks for the info. I am meeting with him on Weds. I have only done 3 phone interviews since the RNA shakeup. Each lasted longer than I like. but when your done, your done. no faxing in anything other than a replacement form.

 

[Jack B]

Foresters is also good for afib, you can do 30k

 

[nfl72]

So I meet with the guy yesterday. He has very complete papers on everything from his Medical records to his articles of incorporation for his ministry ran pawn shop. As well as his wife's green card status etc. After reading about RNA and Foresters able to approve him level and also calling them both and getting an aok from each a head of the PHI calls. I decided to go with Foresters as I haven't used them in several months and he wanted 35K.

During the phi Foresters and RNA both asked him twice if he had smoked within the last year. He claims to be he hasn't smoked in about ten years. They also both reread the questions about Cardiomyopathy twice to him, which he denied both times. He stated his medical records from his last visit, which I read as well, stated he was being treated for AFIB. Both RNA and Foresters turned him down.

If I had gone with my original gut feeling I would have just wrote him up graded and he would have been happy, but now he is perturbed because level is not panning out, which I planted the seed would be available. He wants a copy of his MIB before he will write it graded. I messed up, which I hate it when it happens.

The RNA call took a good 35 minutes. His medical report from his last visit clearly states he was treated for AFIB, successfully, and also states his heart meds are for blood pressure.

 

[WinoBlues]

So I meet with the guy yesterday. He has very complete papers on everything from his Medical records to his articles of incorporation for his ministry ran pawn shop. As well as his wife's green card status etc. After reading about RNA and Foresters able to approve him level and also calling them both and getting an aok from each a head of the PHI calls. I decided to go with Foresters as I haven't used them in several months and he wanted 35K.

During the phi Foresters and RNA both asked him twice if he had smoked within the last year. He claims to be he hasn't smoked in about ten years. They also both reread the questions about Cardiomyopathy twice to him, which he denied both times. He stated his medical records from his last visit, which I read as well, stated he was being treated for AFIB. Both RNA and Foresters turned him down.

If I had gone with my original gut feeling I would have just wrote him up graded and he would have been happy, but now he is perturbed because level is not panning out, which I planted the seed would be available. He wants a copy of his MIB before he will write it graded. I messed up, which I hate it when it happens.

The RNA call took a good 35 minutes. His medical report from his last visit clearly states he was treated for AFIB, successfully, and also states his heart meds are for blood pressure.

I am clearly not a FE agent. I do not write write Foresters, but why not just call an underwriter and send the records. Should take less time than getting MIB if that is even the issue.

 

[nfl72]

"I am clearly not a FE agent. I do not write Foresters, but why not just call an underwriter and send the records. Should take less time than getting MIB if that is even the issue."


I did that today, just waiting for an answer.