Royal Arcanum Alzheimer's Day One Coverage?!?

An agent sold one of my clients an add on policy with Royal Acanum who is 63 years old with alzheimer's. When we called the agent he told the client over the phone that it was day 1 coverage!?

Can anyone inform me on this?

If this real? Or is this just another agent clean cheating?

The client asked the agent "does the insurance company know that I have alzheimer's?" And he said "yes".

Let me know if anyone knows what their underwriting is like and your thoughts
Source of insurance-forums.net

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