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      "text": "LIMRA identifies medical underwriting as the single greatest pain point in this customer experience. Agents loathe inconvenient, invasive, time consuming blood & urine specimen collection. Accelerated underwriting is growing but represents only a fraction of business. Agents represent 77% of all life insurance premiums sold in U.S. Regulatory does not prohibit use of epigenetic information. The carrier that adopts saliva-based underwriting gets all of the agent business.",
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