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I don't see that MC "Age" would matter that much, except the first 6 months up to a year when 1 out of 5 brokers would not work with you. I yet to see someone showing me what it did for them other than that. Perhaps, it is a way to fool insurance carriers but I'd be surprised to see that being so easy, besides this would be a risky thing in case something really bad happens and they make some effort to discover that they had underwritten someone under false pretenses.