Had an application on the husband. The wife was the instigator since she was a stay at home mom. Went to underwriting and when the labs were done - there was nicotine found. So - other than that the policy was issued as applied for - except for smoker rates. The wife absolutely did not believe that this could be correct. She had strong words for our case worker about mistakes and not handling the file correctly. They did not accept the contract.
One month later - through a difference producer - we get in an application on this same client. The application was for a smoker rate...
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