Which carriers seem to do the best job of underwriting individual health? I have an app with a major carrier on a 35 year old male, non-smoker, 6' 1" + 230# and hypertension contolled with one med. The app was submitted on 10/25. Two weeks later underwriting decided to order an APS. Doctors records were sent on 11/17 and logged in to the carrier on 11/27. Called today and was told the underwriter should have a decision by the end of next week. I stopped writing business (attempting to write) over a year ago because of underwriting issues. Yesterday I took an app on a couple, ages 62 & 61. He has GERD, HBP & asthma (2 meds). She has MVP & GERD. This couple was working with another agent + me. They liked us both and decided to let me submit the application to GR and the other agent to Time, despite the fact I represent both. Obviously I would rather be the agent regardless of the final outcome, but they made their decision and not much I can do about it. I expect to have a decision within a week from GR with riders on all pre-ex conditions. My guess is Time will take upwards of 6 - 8 weeks, come back with a waiver on the MVP and asthma + rate up for GERD & HBP. If they rate it the way I think they will it will be +50% on both in addition to the riders. That will put the premium for Time around $300 more than GR. I did pre-screen them with both carriers and all Time would say is 25% for HBP and rate for the meds on the GERD (which run $120/month each). I figure that is worth another 25% on each policy. They said either a 25% rate up on the MVP or a waiver. Aetna, BX, Humana & KP have all indicated they would reject the wife due to MVP. My feeling at this point is, the GR offer will be the best. Comments & feedback?