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once you do one, you will never do it again. The entire process takes about 45 min. because of all the additional disclosures. I did one the other day that got declined at the end of the 45 min bs interview process. Why they don't get the voice signature for the MIB and rx check, and decline them BEFORE all the other nonsense is something I'll never understand. The underwriting decision is at the very end.
The Forethought process is pretty slick but their UW is a mess right now, got a meds list about 4 pages long it seems like. Drives me nuts that you can't really get one good carrier and process all together in one package.
Thanks for the info on Foresters.. I just contracted with Equitable L&C.. They seem to have a good sell by Phone system in place but they don't compete with Foresters rates.. Does appear they will accept some for immediate coverage that Foresters would not accept.