Who Knows About Bankers Underwriting ?

I attempted to replace a Banker's Life UL that was issued 1st day coverage May 2014 with SIWL and got shot down 2X so far. 1 carrier wants an APS and the other is offering graded due to the pharmacy report and 3 MIB hits.

There have np been no health changes in the last year.

Proposed insured takes insulin,medicine for High blood pressure.



The kicker n this one is,he passed a paramed in May 2014 to get the 50K UL ?



Any ideas ?

Source of insurance-forums.net

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