I saw about 10 people today and 3 of them let me write an application. The first lady had COPD, major depression and would only pay with Direct Express. This alone limits the number of carriers to choose from. After reviewing several applications I decided to submit to Liberty Bankers. When the PHI was completed I was told decline. I asked why and the lady would not tell me. My second case was a man who wanted coverage on his 37 year old retarded daughter. Settlers will consider a mentally challenged person older than age 25 so I called an underwriter to discuss the details and was told
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