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moonlight - why does it matter what company I am with? someone new in the industry is someone new in the industry. I have a lot to learn and that's why I am here. So If you are here to make cracks at every new people that has questions, then maybe this is the wrong forum for you to be in?
You have to understand, that in these neck of the woods NAA is worse then the "STD's", if you stay with them you do yourself a critical disservice and it'll be detrimental to your insurance career. As you posted, an 81 yr old, diabetic and overweight and life insurance is not a good mix, or at least IMHO and esp. with any insurance company I have a policy with! Simply put, I don't want her in the same insurance pool that I am in.