Are you not a big fan of "whole life" insurance? In most cases, as an estate planner, I'm not either. There are some cases for it, that is why I offer and suggest "universal life" insurance policies to many of mmy clients. If the client can't afford the coverage they want with the universal life, I blend term insurance with the universal life to bring them to the coverage they and the time the coverage will be in force. "Doing what is best for the client" has been my philosophy since I began in insurance and will always remain a part of what I bring to the table for my clients.
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