I do not disagree with you on testing fully underwriten on larger face amounts. However, on FE size cases it could be a lot tougher. Who did you place your cases with?
, even if you have to go to fully underwriten its the right thing to do vs Graded or GI the only bad part for you is you have to wait for your check, who well if you want to split your case I'll be glad to help you with that