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I have a 63 yr old prospect, who has a "condition" with his eyes, and will require some sort of procedure in the near future. I am going to put him on Short Term Medical, until he reaches 65.
Here is my question: Since he can clearly answer "NO" truthfully to all the questions on the application, once he has this "procedure", will he be able to reapply, with any STM company, after that. The reason I ask, is because, even after the procedure, he still would be able to answer "NO" to all the questions.
Now, before you ask, I don't have the details as of yet. All I know is that his opthomologist told him it would cost $5k for the procedure. I have no idea what is wrong yet (I will report once I get the info).
In his own, convoluted way, he intimated that he would have the procedure done within a few months time. The two STM companies I work with are HPA and Assurant.
Here is my question: Since he can clearly answer "NO" truthfully to all the questions on the application, once he has this "procedure", will he be able to reapply, with any STM company, after that. The reason I ask, is because, even after the procedure, he still would be able to answer "NO" to all the questions.
Now, before you ask, I don't have the details as of yet. All I know is that his opthomologist told him it would cost $5k for the procedure. I have no idea what is wrong yet (I will report once I get the info).
In his own, convoluted way, he intimated that he would have the procedure done within a few months time. The two STM companies I work with are HPA and Assurant.