I use to say their UP1 was really just a graded product with preferred rates.. now I'm quite convinced it's even worse than that.. more like a 5 year graded product with preferred rates... Wrote my wifes friends parents 3 1/2 years ago for a small $5,000 policy... the husband had prostate cancer 7 years before I wrote him, no meds, no chemo and that was 3 1/5 years ago- he passed away of a heart attack 5 months ago and the death claim is still pending.. if they deny this claim- it'll be the 6th one they've denied my clients the last 10 years and I'll be finished with them for good- now I gotta
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