What's the deal with Cica? and trans for that matter?

[Todd King]

Man Cica I have like a 90% decline rate, I don't get it, they are supposed to take people with CHF, and Kidney disease no dialysis , neuropathy COPD no oxygen

they were supposed to be the one to take what no one else took

They are declining everything, I am getting declines with them and then getting approvals with RNA and others sometimes

But I mean if they are not taking what they took why is their App still so open to conditions?
Why does it still say have you not seen a doctor or not taken medications for all the things they are declining?

Are you using the newest Risk Assessment Guide?

 

[vic120]

Are you using the newest Risk Assessment Guide?

I just too a look and there really is not much different then the app



All the conditions should be approved that I have put them in for as long as they take thier meds and been treated by a doctor

CODP, CHF, Kidney disease

Medically diagnosed, for which the applicant has not beentreated by a licensed member of the medical profession, orhas not taken medicaƟon

Yet they are declining all of these

I mean seriously its like every one that is listed under the section of have you not seen a doctor or not taken meds for conditions are declined

 

[DonP]

I just too a look and there really is not much different then the app



All the conditions should be approved that I have put them in for as long as they take thier meds and been treated by a doctor

CODP, CHF, Kidney disease

Medically diagnosed, for which the applicant has not beentreated by a licensed member of the medical profession, orhas not taken medicaƟon

Yet they are declining all of these

I mean seriously its like every one that is listed under the section of have you not seen a doctor or not taken meds for conditions are declined

Thats correct . I find it interesting they supposedly take chf,cardiomyopathy kidney disease if treated yet won't take bipolar if treated . But the truth is there not taking chf or kidney of heavy meds show up . There using Somme type of Ai for underwriting that makes combo drug analysis and declines it .

 

[Baseball7]

Tele sales?

Lead with something that takes 85% of business like AmAm.

Expecting a carrier to take chf level is like expecting pigs to fly. Don't care what the guide says what milliman says will be different.