Wrote a couple a year ago. Received notice of NSF so I tried to make contact. They had moved so it took me a few weeks. Finally was able to locate. Reinstated the husband, but the wife had a pulmonary embolism since the original policy was issued so MOO would not reinstate. Wrote her Transamerica and because of a RX she was taking they offered SNT. She declined the offer so I wrote her with Foresters. I checked the yes box on the app concerning tobacco use in error. The company issued tobacco rates. They would not change it without a note from her doctor and her doctor refused to writ
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