Had an appointment with a 76year old male yesterday in excellent health who was looking for $50,000 coverage. He had a underfunded UL that died a while back. The lowest cost WL I have is SofN. I shopped WL and no one came close to their price so I wrote it with them. No meds of health issues in the last 5 years so I am confident they will issue. I looked at FEXQuotes and Sagicor is a little lower priced for their UL if he gets preferred, but about the same for standard. Do y'all think he would get PNT with Sagicor?