Can anyone help with how Met Life underwrites diabetics.
I have a client, (58 yr old, non-smoker) who just informed me that Met Life said they would take him, Type 2 diabetic,...controlled now for about 3 years, BUT only with FOUR meds. Also two meds for HBP, also controlled with the meds.
He's at the higher end of weight (can't remember what it is exactly, just remember it was at the higher end of acceptable chart...pushing a decline just on weight).
He's also on a med for depression.
He's telling me that Met Life will take him with a low premium??!!
This can't be true, can it??
I try to stay away from writing diabetic clients. The carriers I have are VERY high even with a non med, well controlled diabetic client, and most end up declining coverage altogether just based on price...I tend to send them to a colleague. BUT, he is a neighbor and a health and accident client--have also sent me 3-4 referrals.
Another tidbit...he's been declined by a few other companies, not sure which ones...he couldn't remember....he tried to do it himself before I knew him.
I have a client, (58 yr old, non-smoker) who just informed me that Met Life said they would take him, Type 2 diabetic,...controlled now for about 3 years, BUT only with FOUR meds. Also two meds for HBP, also controlled with the meds.
He's at the higher end of weight (can't remember what it is exactly, just remember it was at the higher end of acceptable chart...pushing a decline just on weight).
He's also on a med for depression.
He's telling me that Met Life will take him with a low premium??!!
This can't be true, can it??
I try to stay away from writing diabetic clients. The carriers I have are VERY high even with a non med, well controlled diabetic client, and most end up declining coverage altogether just based on price...I tend to send them to a colleague. BUT, he is a neighbor and a health and accident client--have also sent me 3-4 referrals.
Another tidbit...he's been declined by a few other companies, not sure which ones...he couldn't remember....he tried to do it himself before I knew him.