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I've placed 10 underwritten policies with Manhattan in the last month, ages ranging from 68 to 90. The 90 year old took a few extra days in underwriting. I'm that same period I've had to write Equitable once, AARP once and IAC once. This is all just cross sales on FE. Manhattan E App is a breeze followed by a 3 minute phone call for the answer in most cases. Hell, I've even filled one out on my phone.
Nice bonus Peter!