Medicare Supplement Agent Architecture

GA

Standard Approval Full UW, all clear, preferred tier

MN

OEP Approval UW bypassed, guaranteed issue

GA

Hard Decline COPD triggers Q3 knockout

MN

Rx Yellow → UW Queue Insulin + multi-med, phone screen

DEMO

Same App, Two States The core thesis — side by side

OR

Pacific Shield OEP Approval Attained-age rating, smoker → non-smoker override

OR

Pacific Shield Hard Decline Diabetes + insulin, Q4 knockout

OR

MACRA Edge Case Plan F blocked by 1 day — birthday rule