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With a month left in the substandard season, the imparied risk carriers list of 12 has narrowed to 4. Lincoln Benefit, John Hancock, Lincoln National Life & Principle contnue to dominate the table reduction market. Add to this that Lincoln Benefit Life and LGA (Banner) are attempting to buy up the preferred market as some "controlled" cases go super-preferred. All in all, we're experincing remarkable underwriting offers from these carriers.