We Need a Miracle!
A LITTLE HELP FROM OUR FRIENDS
We applied for 3 policies — 2 for personal, 1 for business. Very successful woman and business owner. She’d bought a Preferred Best policy in 2009, so we expected the same.
She was declined. According to her records, she had hepatitis B-we knew that. But the records also said she had hepatitis delta, and ‘hcc’-liver cancer as a result of hepatitis.
So we formed a team. It consisted of:
- The agent and us, the usual suspects. But we expanded the team to include:
- The Proposed Insured
- The Underwriter and Medical Director
- The Proposed Insured’s MD
And TOGETHER, we got some new tests done, some records updated, many huge sighs of relief, and ultimately, a Standard approval. Not bad.
But not good enough. We found another carrier willing to go Standard Plus (due to the chronic Hep B), so we packed up all 3 applications and moved.