Internal Med Sup Plan Changes

I do very little sup so don't know. This one carrier says for a client with an F to downgrade to a lesser plan to save $ requires a new application to be underwritten. That makes no sense to me since their exposure would be less. Is such the rule with all carriers????????-----I could maybe understand increasing to a better plan but why would downgrading be an issue requiring underwriting again???????----is it merely just another opportunity----sense of it notwithstanding---to refuse someone???

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