Avocations Archives

Avocations

March 8, 2019

Getting to the Tooth

Underwriters don’t love dentists.

Now I’m not here to judge. But underwriters, well, that’s kind of their job. They declined this dentist due to depression, and due to her height and weight. She’s 5’2″, and weighs 92 pounds.

So we went through the file.

“Major depression, chronic.” Uh oh.

So we went through the file again.

This didn’t look like major, chronic depression. And as for the ht/wt, we went back SIX YEARS, listing 13 separate values, to show stability.

We lost.

So we employed our patent pending JNSU* method.

She was just approved at Standard.

*JNSU= Jeff NEVER Shuts Up. (Trademark also pending)

January 30, 2019

The Doc from the Doc

Adam is a doctor, meaning he’s a lousy patient.

We found him a Best Class policy in 2015, when he was 69, even though he had zero health records. We came back for more last month, heading to Pru, the same carrier. But he’s 72 now, and Pru’s guidelines are different. So we need an APS. Otherwise, Pru said, no better than Standard Plus-which is still a pretty good offer on a case like this.

But Adam found a doctor, went to see him, and got a clean bill of health. And Pru approved him. At Standard Plus. Whoa. Hold on a minute here. We took it to management at Pru. Standard Plus. So we took it to an Officer.

And we GOT IT. Best Class on a 72 year old with very little medical history.

Bring it.