MLIC E-app Disabled Question

Does anyone know why Manhattan asks if you are disabled on the e-app? You are required to answer to get a quote and submit.



Initial enrollment and GI are not allowed to ask health questions, so why is it there? Just submitted an app on a T65 client that might meet the definition of disabled but we answered "no".



I asked my new Ritter rep and got her standard response ........... call MLIC.



If the answer is "yes" but applicant is guaranteed issue do the rates change? Are they declined even though health questions cannot be asked? What is MLIC's definition of disabled. If we answer no a

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