RE: Senior Life Application Question

[rousemark]

That's a terrible question, almost anything could be a impairment or disorder. Is that just a Senior Life question? I want to help people with coverage that has a decent chance of being there when they need it. That question does look like a setup for contestability.

Richard

SL is the only SI app I have seen that is worded that broadly.

 

[Rearden]

Gentlemen, thanks for the input.

I am pleased to report the client decided to cancel the other agent's policy and stick with mine.

Reason being -- after our conversation about contestability and the app not actually covering COPD -- he reconsidered what she had sold him and realized the other agent was shady.

He said things like -- "Well, she didn't show me her license like you did," or, "She never really did ask all the questions as well as you did," etc.

Turns out she wrote a Pioneer Life policy on the guy, so I know for a fact she BS'd the app or lied to him about the coverage.

Guess "The Wedge" works!

 

[rousemark]

Gentlemen, thanks for the input.

I am pleased to report the client decided to cancel the other agent's policy and stick with mine.

Reason being -- after our conversation about contestability and the app not actually covering COPD -- he reconsidered what she had sold him and realized the other agent was shady.

He said things like -- "Well, she didn't show me her license like you did," or, "She never really did ask all the questions as well as you did," etc.

Turns out she wrote a Pioneer Life policy on the guy, so I know for a fact she BS'd the app or lied to him about the coverage.

Guess "The Wedge" works!

Pioneer Life or American Pioneer Life?

 

[argar5]

Few people over 60 can truthfully answer, "no"

Without AD, the Senior life premium is $38.32 Preferred and $45.12 STD so it sounds like they are quoting 10K Preferred with 10K Accidental Death.

The question is the same for the preferred and for the Std. except the Preferred has a 5 year look back and the Std is only 2 yrs.

" ..... sis, cancer, any heart, organ, lung disease (including COPD/Emphysema) mental disorder/ retardation, disorder of the sease, transplant or chronic illness?"

COPD is a no go on all their immediate benefit plans, oxygen or not, according to thier applications. The stents would be a no go for the preferred.

But take a look at what is hidden in that question.. "any impairment, disorder, disease...... chronic illness" Few people over 60 can truthfully answer, "no" to a question that broad. Diverticulitis, Gurd, Acid Reflux, etc. can all be chronic requiring ongoing care. The list could go on and on. That question sets almost every policy issued up for a successful contestable claim.

You stated a few people over 60 what are you a doctor were are the facts when you stated over 60

 

[rousemark]

Few people over 60 can truthfully answer, "no"
You stated a few people over 60 what are you a doctor were are the facts when you stated over 60

Don't have to be a doctor.. I am speaking from personal observation. I am 69 years old and most of my friends are over 60. But since you demand I show proof, " 90% of seniors have at least one chronic disease, and 77% have two or more chronic conditions." (source: "The Growing Burden of Chronic Disease in American." Public Health Reports / May–June 2004 / Volume 119.)

The question is "ANY impairment, disorder, disease...... chronic illness" A chronic illness is any condition that requires ongoing treatment.. That can include high blood pressure (even if controlled), asthma, osteoporosis, migraine headaches, fibromyalgia, arthritis, Hyper or hypothyroidism, ..... The list goes on and on.. If a person is regularly taking medication for any reason, that would fall into the category of chronic illness.. If you have had influenza or even a common cold in the last two years you have had a disease.

Next question?

 

[argar5]

Check with UPMC in Pittsburg PA you are wrong. Do the medical research its impossible to have an accurate figure on percentage and age group according the Drexel medical group clinical research Dept.Be like any Insurance agent stick to your sales and forget being Joe Doctor

 

[rousemark]

Check with UPMC in Pittsburg PA you are wrong. Do the medical research its impossible to have an accurate figure on percentage and age group according the Drexel medical group clinical research Dept.Be like any Insurance agent stick to your sales and forget being Joe Doctor

Gee.. You really have a briar up your rear this morning.. Let me guess, you sell SL? There is a difference of opinion among Medical experts?.. Surely not..
The stats I quoted aren't mine..I gave you the source. But, if you will notice, I said few would really be able to truthfully answer that question"No".. That means some can.. others can't but the latter group out number the former.. If you deal with seniors, even the most casual observation would tell you that is true. Go talk to 100 people over age 65 at random on the street and find out how many have not been treated for ANY disease, impairment or chronic condition in the past two years.. Don't forget that is ANY.. not just serious or life threatening.

This article says 88% (in my limited world that would be most) of people 65+ have at least one chronic medical condition.. Guess they are wrong.. They aren't from PA.

http://www.medterms.com/script/main/art.asp?articlekey=33490

How about the CDC report that 80% have one chronic condition and 50% have two or more?

CDC - Chronic Disease - Healthy Aging - At A Glance

Believe what you like, write what you like.. Personally I would not write any final expense plan that was supposed to be SI that had a question worded that all encompassing.

Oh, and while I am not doctor, I have stayed at a Holiday Inn Express.

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[FEX Quotes]

Few people over 60 can truthfully answer, "no"
You stated a few people over 60 what are you a doctor were are the facts when you stated over 60

Rouse was spot on. No medical degree required to make that comment..

http://www.nytimes.com/2010/10/19/health/research/19stats.html

Prescription Drug Use Soars in U.S. - ABC News

http://assets.aarp.org/rgcenter/health/rx_midlife_plus.pdf

 

[rousemark]

Rouse was spot on. No medical degree required to make that comment..

http://www.nytimes.com/2010/10/19/health/research/19stats.html

Prescription Drug Use Soars in U.S. - ABC News

http://assets.aarp.org/rgcenter/health/rx_midlife_plus.pdf

Did you stay at the Holiday Inn Express too?

 

[argar5]

Did you stay at the Holiday Inn Express too?

Nice reading. I thank you.