Oxford Life?

I may take another look at them. Their PHI used to be the worst. That and their claims and customer service. However, that was years ago. Things change.

Also if you don't have easy access to their website you can do their phone call which is just an InstaWrite call now. They just verify name, DOB and SS# and give an approval or decline. There are no health questions or anything. Takes about 4-minutes on average.
 
I'm going to be doing more replacements in the near future...

I used to do a lot more replacement. I just rarely do any longer. I am sure if I was running leads on people that keep mailing in lead cards I would. Then I would have to deal with you killers coming behind me and replacing me. I replace myself more than anything. That is rewriting term or maybe one of my FE people have max loaned themselves into a hole.
 
It wasn't long ago that nary an ill word was spoken about EFES. Did Chase, Shannon and the boys break bad?:confused:
 
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