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I also count myself lucky. I got into the MD market with Assurant's 192 Series - selling $1,000 deductible plans with $8 name brand drug copays, no drug deductible. Unless they were on an iron lung they got approved. 12 month advances - almost everything was issued and lapses were rare.
Quite the different game today. And this was only back in '04.
Quite the different game today. And this was only back in '04.