My Wife's DM from United of Omaha

Man I wrote the crap out of Oxford a couple year ago. Haven't really used them much since...I write a handful of apps with them each year mostly to stay contracted. I used them on an application recently in a really competitive situation and I was surprised at how different the phone interview was. Faster and less obnoxious than before.

RNA rate increases pushes them further down my list. If it's not a drastic increase then I'll probably still use them. Their UW is really good. Claims experience can't be too good for them with as many health conditions as they take...and no build chart. Hopefully it won't be too high.
 
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