Define 1) overweight, 2) type of diabetes I, II and insulin or non-insulin dep, and age at onset. 3) define heart issues. what type of meds for condition?
Since you say you can get him FE immed benefit he musn't be too heavy since the companies you mentioned have Ht-Wt charts, unlike monumental which doesn't even ask the question. So he must also be oral meds for diabetes treatment with the companies mentioned... and probably not a HA in past 2 to 3 yrs...?
I would attempt to get him to focus on the total doallrs he is going to spend in the next 15 yrs to ultimately end up with a 37.5K, 5 yr banded term product. 176 x 60 = 10560, then 324 x 60 = 19440, or 30K over 10 yrs, then more following that for the 37.5K of coverage most likely. Ouch, you can save him some money and give him predictability and peace of mind, which go beyond dollars and sense. I'd focus in on about 250 mo and give him somewhere around 50K level for that money, if he is on track with that philosophy... or half of that and let him keep his grp life as long as he can afford to do so...
