Quote:
Originally Posted by InsuranceMonkey
(Post 634462)
Hi Social, I'll give you a ballpark for the table rate.
We has to assume it's minimally single vessel "severe" CAD due to the stent. For his age, the Gen Re underwriting manual gives him a minima best case of T-2, assuming his BPs, Chol are within normal limits, and a recent workup shows no current ischemia (active disease) and his LV ejection fraction is acceptable >54%. (Gen Re is fairly agressive)
Should more vessels have disease (which is entirely possible, just not to an extent needing a stent), the ejection fraction is less than desired, labs are poor, he uses tobacco in any form, it rapidly escalates up from there.
Best case - T-2.
If more than 1 vessel was involved - it jumps to T-5.
If he uses tobacco(and people still will, post-heart attack) - add another 2 tables onto base rate.
Cheers.
Great having an underwriter here.
I have a suggestion for an avatar for you :twitchy:https://encrypted-tbn1.gstatic.com/i...paXAyWbvT5ZTVw
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