I just be a lowly IMO and not a full time FE agent but I had their ears last week. Their president, head of underwriting, VP of sales and several other managers gave me two hours of their time to tell them everything they need to do to attract more sales. Lowering rates and accepting insulin diabetics were off the table from past discussions. But the improvements we discussed that I believe will come in the near future are a clear RX knockout list, 100% decisions at POS (it was news to them that a decline is Prefered over further investigation), and speaker phones during enhanced POS interviews.
My opinion of the ideal method is that any time they can not approve the case at the interview it should be a decline. Or with Settlers it's usually an offer of Bronze. Then if the AGENT decides he wants to refer to further underwriting he can ask for that. But in most cases he will just move on to his next company.
I also let them know that it's important for the agent and applicant to be informed of the reason for the decline or rate up so he can decide if another company will be an option. They do not seem opposed to this either and just need to make certain they have all the legal disclosures and permissions in order.
If they get most of this done and work toward shortening the interview, this will be a much more attractive product.
But I also know, JD isn't holding his breath.
So insulin diabetics are off the table for gold but what about letting them in at silver? And pill treated diabetes at gold?