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How about oxygen,stents,chf ?So your selling AA rop under age 65? It has a 3 yr wait . I understand they have the ss billing angle . And yes it pays full comp like prosperity on rop . I've written one or 2 aig and before the policy was issued they got a moo brochure in the mail which is 20% cheaper . I won't write aig or Gerber anyone . National security has a graded 35/70% that takes stuff like heart attack in the first yr that has good comp .
what about the charge backs ? First 2 years ?