When I am not sure about a case I usually call the company for a underwriting accessment. Today I had a man who had a stroke in 2001 and hasn't been abl to talk since. Most companies won't write because he can't do a PHI. A couple of the ones that don't do a PHI said he was not qualify because he had a paralysis. I didn't realize his condition was caused by that. Had a woman who had a heart valve surgery 8 years ago. One carrier told me she wasn't qualified because that is tissue transplant. How is an agent supposed to know what these companies mean by the wording on their app?
Source of insurance-forums.net
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