What would you do

I've pushed a lot of stuff through them that would never stick elsewhere. I always tell the client that the odds are against them getting day one but it's worth a shot. I then have to break out my abacus and explain the 25% bonus if the get immediate death benefit etc etc. If someone has CHF and needs coverage it's a no brainer to at least give it a shot.

FYI - if you submit your application as level coverage and it ends up GI, the policy is issued as GI without notification to the agent or the client.
 
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