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I do know what I'm talking about and I have lost no creditability.
Why don't yopu just prove me wrong if you can?
Post the application here. Post the rates here and everyone can see who has creditability on this issue.
OK, and I don't even have to post the app. Take an insulin dependent proposed insured, 40 lbs. overweight, takes no other meds, non-tobacco/nicotine last 5 years, no health problems will get super-preferred rates, which are much cheaper than RNA, Foresters, etc.
We all had a discusion about this very issue just a couple of months ago. Remember?