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The brokerage that I submit my FU applications to has been doing term for years. They bought TermProvider from Gary Paulzak. Todd Landau has never failed me and I trust what he says. No one on this forum works with the underwriters of different carriers like he does every day. If he doesn't think the case isn't worth pursuing then I am good with that. Let the guy go ahead and apply and when he is declined an MIB hit will appear if he ever reapplies again.
Ive been doing Term for years too. So has Ray.
You have both an Agent and an IMO, telling you your upline is incorrect.
And if you think your guy is any more special than people on this forum. You have no clue about some of the people you are speaking to on here.
But you are free to believe what you want.