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Re: Worried about Fully Underwritten Plans....
"Standard" is not a regulated term. Carriers can define standard however they want. You are thinking that if he is standard with Foresters or Old Mutal how come he is not standard with your UL companies? The reality is that standard with the non-med companies is actually Table D. If you qualify for Table D you fall within their standard. So dont assume that they did or did not find significant health issues with him just because they accepted him at standard with a non-med policy. It only means that they did not find anything that took him below Table D.
Winter
Folks,
So I'm thinking, even if the other agent cleansheeted the simplified issue app, how did he get approved standard issue? I thought that simplified issue products are HARDER to get approved if the client already has had long-standing medical conditions?
"Standard" is not a regulated term. Carriers can define standard however they want. You are thinking that if he is standard with Foresters or Old Mutal how come he is not standard with your UL companies? The reality is that standard with the non-med companies is actually Table D. If you qualify for Table D you fall within their standard. So dont assume that they did or did not find significant health issues with him just because they accepted him at standard with a non-med policy. It only means that they did not find anything that took him below Table D.
Winter