Case Study: Brain Hemorrhage gets SUPER PREFERRED Rating
Posted by Lenny Robbins on Sat, Jun 04, 2011 @ 04:28 AM
You heard right...our client received a life insurance rating of super preferred (the best possible) after a brain hemorrhage. So...how did we do it? Well....
The Brain Hemorrhage...
Our 65 year old male client had a brain hemorrhage, specifically a subarachnoid hemorrhage in 2005, just six years ago. He had surgery, and later took blood thinners. After a comprehensive battery of tests, his doctors determined he did not have any blood diseases. As a matter of fact, the cause of the hemorrhage was never found.
Client's Current Health...
- Height and weight are good
- Blood pressure is good
- Client takes no medications
- Family history is good
- No current medical conditions
What happened???
The carrier we went to looked at his history. He had a condition several years that was life threatening at that time, but isn't any longer. The insurance carrier offered him a policy at super-preferred (the lowest cost available).
As an independent life insurance agent we had our choice of insurers. We chose this carrier because of a special underwriting program just recently announced. Any other carrier most likely would have given our client a standard rating at best, and the cost would have been almost double (or more)! We have one very happy client.
Can this program help me get a better rating???
If you fit the criteria... absolutely.
- IF you have one pre existing medical condition and it is well controlled you may be eligible.
- For example: If you are a Type 2 diabetic and you are compliant with your medications, you may qualify for this program.
- YOU MUST fit all other criteria for preferred or super preferred and have one medical condition that is well controlled.
Key Point
Buying your insurance through an independent life insurance agent gives you choices that can save you time and MONEY!
Photo Credit: Dierk Schaefer