Hi,
I have submitted 2 smokers with COPD to Americo lately and both were offered UP3. All medications were OK in an old drug guide I had. Rewrote both with Transamerica and they were issued. I thought they may use oxygen and didn't tell me, but Transamerica wouldn't have issued them if they did.
I didn't find the right solution from the internet.
References :
http://www.insurance-forums.net/forum/final-expense-forum/has-americo-changed-anything-t90130.html
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