Apr 8, 2011 #1 J jemelton Guru 100+ Post Club 758 Would you consider it a terminal illness? Client has stage 1 cirrhosis, application asks "have you been diagnosed with a terminal illness?" What are your thoughts
Would you consider it a terminal illness? Client has stage 1 cirrhosis, application asks "have you been diagnosed with a terminal illness?" What are your thoughts
Apr 8, 2011 #2 VolAgent Guru 5000 Post Club 15,041 Re: Cirrhosis What does the doctor's notes say? Any time frame given?
Apr 8, 2011 #3 Fisher Guru 1000 Post Club 1,719 GA Re: Cirrhosis VolAgent said: What does the doctor's notes say? Any time frame given? Click to expand... Bingo! ....
Re: Cirrhosis VolAgent said: What does the doctor's notes say? Any time frame given? Click to expand... Bingo! ....
Apr 8, 2011 #4 VolAgent Guru 5000 Post Club 15,041 Re: Cirrhosis Fisher said: Bingo! .... Click to expand... White lab coats have been known to cause the death of many life insurance sales.
Re: Cirrhosis Fisher said: Bingo! .... Click to expand... White lab coats have been known to cause the death of many life insurance sales.
Apr 8, 2011 #5 LGilmore Guru 1000 Post Club 4,132 Washington state Re: Cirrhosis "Would you consider it a terminal illness?" Doesn't matter what we say, you must ask the gods. Aka Underwriters. With many companies you can look up automatic declines before the conversation.
Re: Cirrhosis "Would you consider it a terminal illness?" Doesn't matter what we say, you must ask the gods. Aka Underwriters. With many companies you can look up automatic declines before the conversation.
Apr 8, 2011 Thread starter #6 J jemelton Guru 100+ Post Club 758 Re: Cirrhosis There has been no timeframe given and no guidelines that it is an automatic decline..........it is a graded policy. I specifically asked the wife "have they told him that it is terminal" and she said no. I'm thinking it will be ok but there is no phone interview and the underwriting will be done on the backend (which scares me always)
Re: Cirrhosis There has been no timeframe given and no guidelines that it is an automatic decline..........it is a graded policy. I specifically asked the wife "have they told him that it is terminal" and she said no. I'm thinking it will be ok but there is no phone interview and the underwriting will be done on the backend (which scares me always)
Apr 8, 2011 #7 Fisher Guru 1000 Post Club 1,719 GA Re: Cirrhosis Answer the app questions truthfully and don't play the 'what-if' game. 'Terminal' has a timeframe. What company?
Re: Cirrhosis Answer the app questions truthfully and don't play the 'what-if' game. 'Terminal' has a timeframe. What company?
Apr 9, 2011 #8 GoCubsGo Guru 1000 Post Club 1,931 Re: Cirrhosis Better they hear the decline before the application then after the death claim.
Apr 13, 2011 #9 S stevenricherd New Member 13 I searched a lot of sites for the insurance cover for the cirrhosis, and found nothing, it should be taken as the critical condition my opinion. commercial liability insurance Last edited: Apr 25, 2011
I searched a lot of sites for the insurance cover for the cirrhosis, and found nothing, it should be taken as the critical condition my opinion. commercial liability insurance
Apr 13, 2011 #10 P pdoyle Super Genius 100+ Post Club 222 Gulf Coast stage one can possibly get an offer. If he still drinks alcohol it's a decline for sure. When was he diagnosed? Can you get a copy of his last couple of labs?
stage one can possibly get an offer. If he still drinks alcohol it's a decline for sure. When was he diagnosed? Can you get a copy of his last couple of labs?