Prosperity allow replacements with their telesales products?

From their UW Guide... Please note, replacements currently are not available via telephone or Apptical Mobile App sales. Please use a paper application or E-App if the sale involves a replacement.
 
Can you not do the eApp by phone?

But what would you replace with Prosperity?

They are over priced themselves.

That’s like LH and SL agents saying “we don’t replace”. Well, of course you don’t. :D
 
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