July was a great month for me. Submitted about $15,000AP, but application issues have stressed me out. Spouse bought a policy on husband and since she was paying it she wanted to be owner. Assurity said no. Sold a $25,000 GDB with Assurity and the application states "initial death benefit" so I put $10,000, which is 40%, and they issued a $10,000 policy. Wrote the wrong premium on a MOO application and still haven't made contact with her. Wrote a child a MOO policy and put the his DOB where the Dad's should be. Finally talked to the guy who Americo said was to skinny. He went to get a note from his doctor and weighed 118#. I need 122# so I guess I will keep shopping. All of these meant I had to go back.