- Thread starter
- #11
ValeRosso
Guru
- 540
Did you try ACE or Lumico/Elips?
No, I’m not contracted with either. Will check them out though thanks
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
Did you try ACE or Lumico/Elips?
Who turned you down?100% sure, it was specifically the BP over 150
A lot of companies don't like Heart Arrhythmia (Heart Palpitations). When was she diagnosed?No, I’m not contracted with either. Will check them out though thanks
Who turned you down?
A lot of companies don't like Heart Arrhythmia (Heart Palpitations). When was she diagnosed?
Until you find out WHY she was denied you are spinning your wheels, wasting your time and hers.
How many BP meds is she taking? Which ones? With some carriers 3+ BP meds is a decline. If she is taking a channel blocker, ACE inhibitor, beta blocker and diuretic, any of those combinations can result in a decline even if her BP is controlled and no Rx change in the last 6 months.
Everyone does things differently but I look for low hanging fruit and rarely write underwritten business unless it is a referral. When I submit an underwritten app I am 90% certain it will be approved. No surprises!
Metoprolol for heart palpitations
Losartan for BP
Amlodipine for BP
Metoprolol = beta blocker
Losartan = angiotensin antagonist
Amlodipine = calcium channel blocker
That combo will result in a decline by many carriers. Some docs will prescribe that combo with a heart failure dx.
Underwriters often don't care about the dx the doctor says, they go by the meds. Many carriers no longer pull medical records or request doctor notes. Too costly and easier for them, and you, to move on to the next.
Many times clients/prospects either don't know their dx or they are in denial.
My guess is she is in worse shape than she is willing to admit. Three BP + cholesterol Rx and age 73 is a challenging combination
They say on there app that Heart Arrhythmia's a decline.Humana