I used usay for two renewals and fell into the tr...

I used usay for two renewals and fell into the trap of 1st year discounted premiums. What they fail to explain is that when I changed policy they didn't apply a CMORI, therefore , each time I changed I had to have a 2 year clear period before existing conditions were covered. There was no suggestion of a continued mori, which of course would haver earned them less commission. Caveat Emptor comes to mind!