I haven't written much term in years, but have a $30,000AP case ready to underwrite. I was advised by the brokerage that I have used in the past that Pru would be the company to submit to because of the applicant's build of 5'11" and 295#. He is 62. Got him a SNT rate with MOO in 2013. Not sure how that happened but it did. The brokerage is offerring me 95% on Pru. Is that fair?