Policy replacement

What is the more info request relevance? Regardless of age, smoking status, and gender, replacement is replacement. Meaning, no carrier asks about any of those factors on their replacement form. They just want to know the carrier and policy information. The only state that wants a dissertation, from my recollection, is New Jersey and New York.
 
What is the more info request relevance? Regardless of age, smoking status, and gender, replacement is replacement. Meaning, no carrier asks about any of those factors on their replacement form. They just want to know the carrier and policy information. The only state that wants a dissertation, from my recollection, is New Jersey and New York.

Indiana asks the reason for replacement.
 
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