Graded and Modified Options

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What are your thoughts and uses for the modified/graded options out there? Do you just default to Gerber/GI? Do you consider your compensation in this?

Baltimore Life Silverguard II/III
Aetna Modified/Graded
Liberty Bankers Modified
Foresters Modified/Graded
Settlers
Columbian
United Heritage
FBL
Assurity
Omaha
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