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The one thing I can remember was when I first started with a mutual company, my colleague's client got rated table 4 and she shopped it was able to get table 2 somewhere else. Not a huge difference.
If applicant with kidney transplant got a T2 offer, I hope they took it immediately.
I probably wouldn't pursue this case as an IUL case as the rating will mostly likely be substantial.
Perhaps as a GUL case and this would be a good time of the year to start shopping.