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I am curious to know why you mention companies that you do not use and why. I imagine you are talking about a few captive companies and/or crappy hospital expense plans, since it would be odd to downplay your current carriers in case you need to send a client to one for underwriting...
In almost every case, the companies mentioned are CGI, United American and ANY discount plans.
We are not allowed to use CGI (not "A" rated), and I tell them that. United American and "discount" plans are also not companies that we use.
I remember Conseco used to be on the list many years ago too.