Midway through the online application, I got flagged for a medical exam after an initial no-exam estimate. Not the end of the world, but it slowed everything. Scheduling the nurse was fine and I still liked being able to manage documents in the app. Response time on one message thread felt slower than earlier. Once the exam cleared, I e-signed and moved on. It left me a bit mixed, because the start was lightning fast and the middle got sticky.