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For liberal underwriting and good rates.
Hard to place liberal underwriting label on anyone. Liberal on Diabetes, build, family Hx, cigars, MJ and so forth. Preferred with Prudential or Protective may be standard with NACOLH.
Sagicor is pretty easy, Protective has been good for me. Lincoln National (table shave) has won me some larger cases.
Just saw recently that Prudential is coming out with a plan for HIV people.
You are right the protective GUL looks good but as you said how liberal is the underwriting.
Sagicor? For real they are good on people in perfect health but lets face it peeps who is in perfect health? Nobody! Our customers are on meds galore and have this ailment and that ailment. Of the cases sent to Sag only half go through. They are hard, overly critical of everything. And I thought I sent them a clean app and those people should have sailed through without a breeze. No more of this for me. I will go somewhere else.