as i stated a week ago i have narrowed my fe co. down to snl trans. and lh....my question for only the ones that have actually worked for these co.is what is the good bad and the ugly for these three..especially for snl and ta....like how soon do they pay commission...how soon do they pay claims....how easy or hard is the uw...do they have a 20 page app or a 1 page...is it fully underwritten..or any other info would be much appreciated thanks.