FE with UHL 2 Turned Down

[new2insurance2009]

Hi all,

I just had two FE apps declined with UHL due to health conditions. One lady 78yrs old has circulatory issues, and is a diabetic on insulin. The other lady was 73yrs old is on a breathing machine, with past heart attack, and stroke history.

Any suggestions...you hear AARP & Colonial Penn ads on TV advertising that you can't be turned down due to health ..."Guaranteed Acceptance Life Insurance"? ...any suggestions on what I may offer them? Are they out of luck? Thanks in advance for your input

 

[moonlightandmargaritas]

Any suggestions...

Doing apps on healthier people?

 

[new2insurance2009]

Doing apps on healthier people?

I guess that's a start

 

[moonlightandmargaritas]

Do they publish underwriting guidelines that you can refer to?

 

[Russ]

Hi all,

I just had two FE apps declined with UHL due to health conditions. One lady 78yrs old has circulatory issues, and is a diabetic on insulin. The other lady was 73yrs old is on a breathing machine, with past heart attack, and stroke history.

Any suggestions...you hear AARP & Colonial Penn ads on TV advertising that you can't be turned down due to health ..."Guaranteed Acceptance Life Insurance"? ...any suggestions on what I may offer them? Are they out of luck? Thanks in advance for your input

Graded death benefit only. I'm surprised you submitted the apps. for level death benefit with those health histories.

 

[new2insurance2009]

Do they publish underwriting guidelines that you can refer to?

Honestly...it's very vogue

 

[GreenSky]

Honestly...it's very vogue

At least they're in style.

And here I always thought guidelines might be vague.

Rick

 

[magagent]

Go back and offer "graded".

 

[new2insurance2009]

At least they're in style.

And here I always thought guidelines might be vague.

Rick

That's pretty funny....I should keep my magazines away from my laptop.....

 

[jdeasy]

Hi all,

I just had two FE apps declined with UHL due to health conditions. One lady 78yrs old has circulatory issues, and is a diabetic on insulin. The other lady was 73yrs old is on a breathing machine, with past heart attack, and stroke history.

Any suggestions...you hear AARP & Colonial Penn ads on TV advertising that you can't be turned down due to health ..."Guaranteed Acceptance Life Insurance"? ...any suggestions on what I may offer them? Are they out of luck? Thanks in advance for your input

MoO guaranteed issue would be the best deal for both.

$10,000 for the 78 year old, $98/mo. For the 73 year old, $69/mo.

They can sign up direct at; 1-800-801-5207

They get a better deal if they go thru an agent, though.