I delivered a policy this week. F,T,48,Rheumatoid arthritis,15k Settlers Silver $46.79.
Client showed me the mailer,health questions,day 1 coverage,5 year look back,no RA question,$40 and a little change for the same coverage.
Has the rates on the mailer and says it NEVER goes up for this group certificate.
They do not rate for smoking.
I'm using to their GI and Term,hadn't seen this before.
These group WL's are trouble when I'm dealing with smokers.
Anybody else running into this ?
What's the answer ?
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Client showed me the mailer,health questions,day 1 coverage,5 year look back,no RA question,$40 and a little change for the same coverage.
Has the rates on the mailer and says it NEVER goes up for this group certificate.
They do not rate for smoking.
I'm using to their GI and Term,hadn't seen this before.
These group WL's are trouble when I'm dealing with smokers.
Anybody else running into this ?
What's the answer ?
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