SLAICO will approve them for Sub-Standard Level if they are on insulin, even if they've got neuropathy, retinopathy, nephropathy and had both legs amputated. They do not even ask about diabetic complications. And you can sell it over the phone.
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.
I've had clients on only metformin or januvia (no insulin)with neuropathy.
Just thought I'd point out that it doesn't look like Oxford would write this case. Oxford's question #5 - what'd you do with the part about diabetic neuropathy ever? Doesn't say they have to be insulin dependent. Am I missing something?
Besides Royal will anyone do a level on a 54 year old female-20k-sc with insulin and neuropathy ? She got a quote from Lincoln at $70 a month but will they offer day one coverage and level rate and death benefit for the rest of her life ? If so will just tell her to go there but would like to capture the sale....thx
I have multiple cases with Trinity with this very thing. They are great with insulin and neuropathy. Prosperity is good for these as well and is generally a dollar or two more expensive than Trinity, but their contracts in my experience in general are a bit higher for the agent. I talked to a mutual Of Omaha underwriter last week and they told me they would take gabapentin/lyrica for neuropathy level as long as there is no diabetes. Hopefully this is helpful.
Unless they changed their app. It only asks on Question #5 about insulin shock, diabetic coma, insulin before age 50 (which might knock it out) or diabetes before age 30.
Sometimes these bastards change their underwriting and the emails get lost in my spam.
How would you have neuropathy alone?
Prosperity will not take neuropathy level with diabetes.