Client did coke 2 weeks before life exam and he tested positive and was declined Any suggestions on carriers?

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RJ1: Firing him? Where am I going to get my coke from then? 🤦‍♂️

FA2: No hair, but yeah I thought that was too long.

funny

He’s lying. It doesn’t stay in your system that long. It’s gone in a couple days. Did they pull a hair sample or something?

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Stop wasting your time with low life’s.

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Leagaly you cant try and help him get insurance. Go back look at insurance laws. You owe the company that dose the underwriting a degree of fudiacary just as you do your client. Now that he has tested postive you can not help him lose on the app and if he dose younhave to disclose that info. If you don't believe me ask your rp.

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FA1: Already tested and failed. Stuck for seven years

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You’re saying that rating stays in the MIB for 7 yrs?!? I say wait 6mos and try w another carrier. There’s an advisor in my office that got rated 4 times for medical and he just kept cleaning up his diet and trying again and he finally got a $1m Preferred rating. Was so surprised he told them, “I’ll take 2!”

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He lied, that should be out in 3 days.

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NOT Northwestern Mutual

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How about waiting till he’s clean

Sent him to instant issue on the internet

Wow..He maybe worth firing after that.
There are just something’s I can’t deal with.

I feel bad for his wife and kids. help him find a rehab

Ameriprise... that's why I said tell him to go buy some on his own on the internet...

Tell him that if he wants to protect his family he should not be doing things that can lead to his death!!!! He should be trying to stay alive and healthy for them!

Clients lying to you. Unless he’s doing coke every weekend and hitting them big boys coke is out of system within 48-72 hours brotha

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