Met with a couple last night. An agent had written them 3 $2500 policies each about a year ago. Came back later and the husband had started taking insulin so he wrote them both a $5000 ROP even though the wife had no issues. Got them both approved level for $15000 with Mutual of Omaha for the same premium. The agent had to know this was a replacement waiting to happen.
Source of insurance-forums.net
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