I'm a bit confused here about the guaranteed issue product from Columbian. Ran into a 39-year-old guy today with cancer, oxygen, etc. The only company that showed up on my guaranteed quote at that age was Columbian. Is this a no-health-questions-asked application? Reason I'm asking is that I saw another thread talking about some changes coming to the Columbian product and it had the new application listed which said if you answered "yes" to any of the first 5 questions to not even send the application in. One of the questions asked is regarding wheel chair bound which would be declined??
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