79 Yr Old Client Paying $650 Per Mth on 100k.. Any Better Options?

[jacobtn]

Had heart attack and stroke in 2005 but recovered fully no issues since. Any ideas? his rate recently jumped from 400 to 650. insured through Integrity life. I believe it to be either ART or UL have a meeting set up to see. If it's UL there's no cash value since the rate just jumped.

 

[WinoBlues]

Had heart attack and stroke in 2005 but recovered fully no issues since. Any ideas? his rate recently jumped from 400 to 650. insured through Integrity life. I believe it to be either ART or UL have a meeting set up to see. If it's UL there's no cash value since the rate just jumped.

Working a similar ART now. I am not going to compete with this year's premium. I am competing with year 10-20 premium.

His current premium is about $4,500.00 My quote is a little north of $10,000.00. Now that makes no sense in years 1-9, but in years 10-20 it makes great sense.

My guy is younger but more insurance. Your guys age may make it tougher. Depends on how optimistic he is.

Also, I only quote against the guaranteed premiums not "current" or non guaranteed.
Lee