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all right guys so underwriting what to write oh my God Im so overwhelmed I just dont know what to do how do I figure this out all right guys this is so simple very easy without looking at anything at all just remember this if theyre on three or less medications three or less write a term then write one term one term you like dont think about all the other products just pick one America uh American amicable pick one of the terms right youre just writing that term every single time if theyre taking three or less medications and you start filling out the E app and youre asking the medical questions right its going to tell you right there if they can get it or not if you hit a no or you hit a yes its going to go oh not available youre like dang it gotta go with an accidental all right so youre like yeah its not available so I gotta write you an accidental thats it thats the underwriting okay okay now if theyre taking four or more medications you automatically go with a whol