I started my application for this healthy lifestle program in September, hoping to have it in place by the Christmas holidays. Using myself as a test case, as both advisor and client, I knew I would get a great behind-the-scenes look into the ins and outs of these types of programs and be able to better serve my clients if the program ended up being good value and something I thought they'd benefit from. I knew the underwriting, a necessary evil, would take time and unfortuna