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The process is quite simple as you are only required to fill out a simple form in a third party website and then submit to get as many quotes as possible for your comparison and subsequent consideration.
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Smaller companies and those with more health claims would likely see the 10% bump while larger companies would generally get a lower RAF and carriers even used discounted RAF's to attract new business. This language is instead taken from section 7201 of the Internal Revenue Code.
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