I am totally convinced that places like Health Benefits Direct and the other boiler room operations give their pushers a bonus based on apps submitted. Talked to a fellow today who said he already has an app in with Golden Rule thru someone out of FL. Me -Really? They won't take you? Him - Why not? Me - You had a 5x bypass, you take cholesterol meds, are a smoker, are overweight and have type II diabetes. Him - All of that is under control and the guy told me since the bypass was in 2003 it was not an issue. Me - They don't know what they are talking about. Him - Well, I guess there is no reason for me to continue wasting your time. Goodbye. I guess not . . .