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YAgent Nahus explanation is as clear as shiat makes no sense
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21 page app? That's about 20.5 pages longer than the average client gets before asking a question.
We have problems with the 1-page employee enrollment apps the carriers are using now.
Why don't they just ask for your SSN, contact phone number, and plan selection? It's getting run through IRS anyway, instead of verifying income, can't they just insert it? Seems like a lot of needless info.