I really want to write more Americo, but they have proven to be completely unreliable regarding underwriting decisions.
I am an excellent field underwriter and know my medications, but half of the apps I have sent in over the past six months... that SHOULD have been issued with no problems... have been unnecessarily rated up.
Take my most recent case; late 70s, smoker, COPD, takes gabapentin for non-diabetic nerve damage. Should be a slam-dunk UP2, right?
Well Americo rates it up to a UP3 because "they cannot fully develop the risk." What the hell is that?
Beyond not writing them
I am an excellent field underwriter and know my medications, but half of the apps I have sent in over the past six months... that SHOULD have been issued with no problems... have been unnecessarily rated up.
Take my most recent case; late 70s, smoker, COPD, takes gabapentin for non-diabetic nerve damage. Should be a slam-dunk UP2, right?
Well Americo rates it up to a UP3 because "they cannot fully develop the risk." What the hell is that?
Beyond not writing them
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