Might as well say no renewals.. 
You have the first occurrence plans that pay a lump sum on diagnosis (usually 5K -50K) Once they pay the benefit, the policy terminates. Premium is the driving force when in competition with these plans.
The other type is what I refer to expense incurred. These plans may have a lump sum diagnosis benefit but they also pay on an ongoing basis as treatment is received. There are usually benefits pay for hospital confinement, surgery, radiation, chemo, Dr in hospital calls, nursing, transportation and lodging, etc. With these plans you do not live and die by your premium rate as you also can compete based on benefits.
Which you prefer is really matter of opinion. Some times the First Diagnosis Lump some will pay the most and at other times the expense incurred will pay the most, especially if there is a recurrence of cancer.
I like selling the expense incurred plans because it gives you so much to talk about and sort of brings home what is involved in the treatment of cancer. I recently updated my wife's coverage and it was an expense incurred policy.
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AGLA comes to mind.. Good benefits, great premium at younger ages. Good first year commission on their Special rep contracts ..
