UNDERWRITING 101
RED FLAG LIST → ALWAYS GUARANTEED ISSUE!
Diagnosis: Oxygen, Dialysis, Alzheimer's/dementia, HIV, Organ Transplant, Congestive Heart Failure (CHF), Cancer (<2 yrs), Heart/Stroke/Circulatory (<12 months)
Medications: Antabuse, Aricept, Azathioprine, CellCept, Cognex, Digoxin, Disulfiram, Donepezil, Entresto, Exelon, Imuran, Memantine, Mycophenolate Mofetil, Namenda, Namzaric, Prograf, Rapamune, Rapamycin Razadyne, Suboxone, Subutex, Tacrolimus, Zubsolv.
DRILL DOWN QUESTIONS
COPD: ever any oxygen use?
Diabetes: Insulin or pill? Any Gabapentin, Lyrica for neuropathy?
Heart Attack: any nitroglycerin? CHF? Pacemakers/defibrillator?
Hep C: was it treated/when? Any cirrhosis?
Nitroglycerin: First prescribed? Refill how often? Last used?
Opioids: any narcan or naloxone?