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Or do they just hire people that read the manual to you?
Oxford Life has a dedicated UW for Med Supps now. They've tightened up now, but they were straying from the guide for a while.
I will never call into Oxford for a prescreen anymore. I called in 2 or 3 times about diabetics and they say don't even try it and then I talk to other agents who just send the app in and get it approved with the same conditions they told me was a no. They wouldn't even accept diabetes with BP meds. Hate that company for supps...
Amanda was lenient for a while...no more.
Equitable's good for diabetes/heart, but if they're on insulin Equitable's not competitive on price.