These type policies don't always have to be guaranteed issue, and have
generally liberal underwriting guidelines so if a client only qualifies for Modified or Guaranteed Issue with one company, they'll more than likely only qualify for these type plans with any company, as a result.
TFA, suitably representative of the
liberal education reform more
generally,
underwrites, intentionally or not, the conservative assumptions of the education reform movement: that teacher's unions serve as barriers to quality education; that testing is the best way to assess quality education; that educating poor children is best done by institutionalizing them; that meritocracy is an end - in - itself; that social class is an unimportant variable in education reform; that education policy is best made by evading politics proper; and that faith in public school teachers is misplaced.