I have a client wanting life insurance and am running in to issues. She is a nurse who self diagnoses and self medicates. Has not been to a doctor since 1992. Has a history of tachycardia, HTN & elevated cholesterol.
She takes meds when her heart starts to race but does not have an Rx. She has not taken HTN meds in years but monitors her BP on a regular basis. Last blood work was done in a docs office as a courtesy but not recorded. When she needs meds she calls a doc and gets free samples.
This is creating issues with the life underwriter and it looks like they are going to close her file if they cannot get current medical records.
The paramed exam went well, but she is such a blabber mouth they now want records and nothing is less than 15 years old.
We have applied for 30 yr ROP term, face is $300k. Looking for a carrier that will do likewise on a simplified issue basis and does not require a recent mortgage.
Any ideas in case Genworth closes the file?
She takes meds when her heart starts to race but does not have an Rx. She has not taken HTN meds in years but monitors her BP on a regular basis. Last blood work was done in a docs office as a courtesy but not recorded. When she needs meds she calls a doc and gets free samples.
This is creating issues with the life underwriter and it looks like they are going to close her file if they cannot get current medical records.
The paramed exam went well, but she is such a blabber mouth they now want records and nothing is less than 15 years old.
We have applied for 30 yr ROP term, face is $300k. Looking for a carrier that will do likewise on a simplified issue basis and does not require a recent mortgage.
Any ideas in case Genworth closes the file?