Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC), or the Human Immunodeficiency Virus (HIV)?ī. Has the Proposed Insured been medically treated or diagnosed by a licensed member of the medical profession, or taken medication for:Ī. Does the Proposed Insured currently use a wheelchair due to a chronic illness or disease, or require assistance with activities of daily living such as bathing, dressing, eating or toileting?ģ. Is the Proposed Insured currently: bedridden, confined to a nursing or correctional facility, receiving hospice or home health care, received or been advised to receive an organ or tissue transplant, or been hospitalized within the last 3 months?Ģ. Part A – if any question is answered “Yes,” the Applicant is not eligible for coverage (Circle any impairments that apply)ġ. (List additional medication on a separate sheet.) Medication Name (copy off pharmacy label) Diagnosis/Condition Diagnosis/Condition. Please state the Proposed Insured’s height and weightĪre you currently taking any medications? If yes, complete the table below. Has the Proposed Insured used any nicotine products in the past 12 months (excluding occasional cigar/pipe use?)
#SENTINEL SECURITY LIFE DOWNLOAD#
If you’d prefer to download a sample copy of the application, please download here for your review. Paid up options available for NV1 product.īelow you’ll find a complete listing of each health question on the Living Promise application.Maintenance Medication Friendly: Nitro products and coumadin/warfarin/other blood thinners *may* be considered for a New Vantage I (Level benefit) if used as maintenance post a heart or circulatory event.Only carrier that considers oxygen use for Graded coverage.Diabetic-Friendly: Clients taking less than 50 units of insulin daily are considered for the Level benefit.Receive an up-down decision at the end of the telephonic application process so you and your client know whether or not she’s been approved.Optional telephonic application process eliminates frustrating go-backs as the entire application is completed verbally.As long as your cigar and pipe smokers smokes less than 4 times a month, they are considered non-smokers. Occasional non-cigarette tobacco use considered for non-smoker rates.Competitively-priced New Vantage 2 and 3 products (Graded and Modified death benefit) useful for not-so-healthy applicants.
Can easily be used as your go-to product for your healthier clients.
#SENTINEL SECURITY LIFE FULL#
Keep what you earn and payback any unearned commissions.Īcceptable Payment Methods? Bank account drafts only for recurring paymentsĪge Availability For New Vantage 1 Plan (Offers 1st Day Full Coverage For Natural And Accidental Death): How Far In Advance Can The First Draft Be? 30 daysĪge Rating: Age based on application dateĬhargebacks On Death: Prorated – you keep earned commissions and payback any unearned commissions assuming it’s not rescindedĬhargebacks On Lapses: Prorated. Fax paper application to 88Īverage Policy Issue Turnaround Time: 24-48 hours if application is in good order – policy mailed in 24-48 hours *after* phone interview completed and approved. Paper Application Submission: Teleapplication is submitted automatically at the conclusion of the interview. State Availability: See availability chart here Hours of operation are (8AM – 4:30PM, Mountain Time, Monday – Friday) Point Of Sale Interview Required? Yes for paper applications, automatically done with telephonic applications. Application Type: Paper or Telephonic ApplicationĬontact Info: 80 (Monday-Friday 7:30 a.m.
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