COPD with Full Time Assistant Breathing

[RookieYankee]

I have someone interested in life insurance but he has high blood pressure, coronary heart disease, had a piece of his kidney removed and has COPD. He needs assistance in breathing so he has a machine with him. I went through the Transamerica application and had to stop where it asked if he needed oxygen to assist in his breathing.

I may be wrong here and I'd like to be certain but I thought Transamerica was first day coverage with COPD. Can someone shed light here? Thank you in advance!

 

[bboman23]

It is first day coverage for copd. Oxygen is a different story.

 

[moonlightandmargaritas]

I have someone interested in life insurance but he has high blood pressure, coronary heart disease, had a piece of his kidney removed and has COPD. He needs assistance in breathing so he has a machine with him.

I'll bet he's REALLY interested in life insurance. Remember this: when they're
"interested", there's a reason(s) why!

 

[Turbo3.8]

Gerber will do this all day! And lowest rates. He is GI.

 

[moonlightandmargaritas]

He is GI.

Some masterful field underwriting.

 

[smokin goose]

I'll bet he's REALLY interested in life insurance. Remember this: when they're "interested", there's a reason(s) why!

I especially like the ones that are healthy and say, "I'm not even thinking about dying yet."

 

[RookieYankee]

It is first day coverage for copd. Oxygen is a different story.

Right so if it were COPD but non-oxygen THEN it would first day coverage.

 

[bboman23]

Right so if it were COPD but non-oxygen THEN it would first day coverage.

Exactly. ..............

 

[goillini52]

I have someone interested in life insurance but he has high blood pressure, coronary heart disease, had a piece of his kidney removed and has COPD. He needs assistance in breathing so he has a machine with him. I went through the Transamerica application and had to stop where it asked if he needed oxygen to assist in his breathing.

I may be wrong here and I'd like to be certain but I thought Transamerica was first day coverage with COPD. Can someone shed light here? Thank you in advance!

Not sure if they're in your state, and not sure about the details of having part of the kidney removed, but with the COPD w/oxygen and Coronary Artery Disease he could get Graded(30/70/100) with Sentinel Security.