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Noah if you run into Jd’s stuff you going to replace it ? I assure you he’d replace you in a second . Lol . I known family benefit who’s low priced no longer allows replacement in Kentucky . Think about the huge liability on the company . Somebody clean sheets an app on a replacement and the CO’s on the hook during the contestable period .
Probably not. I’m sure he writes what’s most suitable to the insured. On the other hand,if they asked me to because they wanted me to be their agent,and it’s in their best interest,of course.