- 326
too big a deal being made about chargebacks in my opinion. I personally think 75%+ easy of these GIs still living after 2 years easy. Lapses on Non -GIs that are advanced I find more worrisome than maybe dying in 2 years on as earned biz ( realize advanced vs as earned has no relevance on death CB). Why someone would be so worried to not write it at all vs writing it and letting it play out makes no sense to me. Any Gi but Gerber is ripping these folks off vs MOO they get in the mail----------its the only GI I can feel good about offering anyone. I even replaced my own UHL ROP policy with Gerber after I recently contracted as I felt guilty her paying 30% more on UHL than the clean-sheeted Bankers "lies" she was cancelling even before I arrived
