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I'm not contracted with Foresters but why does everyone consider them bottom of the barrel? When I first got on the forum they seemed to be one of the carriers everybody was using.
Yeah, everyone seemed hot on them when PlanRight first came out. I warned people then but it didn't seem to sink in.
They were always difficult to work with but they had a small niche of low rates for many cases. The rate increase they took last summer in addition to the tightened underwriting took away that niche.
It would be like RNA taking a rate increase and tightening underwriting. They could go from the penthouse to the outhouse very quickly.