Again instead of just sending an application send a quick quote for a risk assessment. You get a really back from them in 24 hkurs
Comapnies appreciate this. Or if you don't care just send an application with health issues that they wouldn't approve and have application declined in 48 hours
You need details to do a quick quote...I'll bet the conversation will go something like this:
"Do you know your most recent A1C reading?"
"My what?"
"How long ago were you diagnosed as diabetic?"
"I don't know, why are you asking me all these questions"
"Well, the more information you can provide, the more accurate we can be quoting your coverage"
"Just tell me how much it's going to cost ok?"
"Ma'am, I can't tell you how much it costs, you need to apply and be approved by the insurance company to get a final rate, I can only give you an estimate"
"So how much is it going to cost now?"
"Ma'am, I don't..."
"What can I get for $20/month?"
Personally I wouldn't waste my time with this type of client because their expectations are unrealistic and the budget won't match the reality, but that's just me...