It was Assurity?
And mine was Sagicor. We got the report and it was almost 300 pages long. I will say that they're still my default for what looks like easy (low face) cases. I have plenty approved w/ no issues.
However, the client does need to be "cleaner" than traditional field underwriting.
Wait until the carriers start running credit reports to see how often you go to the liquor store...........
I try never to get a decline on my client's record. This makes that more difficult for sure.
Don't sweat this too much. While it does cause an extra look, some carriers don't care. Sometimes I fell like a few carriers (like Pru) take pride in giving great offers on previous declines.