Foresters Smart UL Non Med

[Davery123]

1) Good product for clients needing perm coverage without medical?

2) How do you structure it to keep cost low but also make it last a lifetime without cost increases down the road?

 

[WinoBlues]

1) Good product for clients needing perm coverage without medical?

2) How do you structure it to keep cost low but also make it last a lifetime without cost increases down the road?

I sell them Sagicor GUL and put a Foresters certificate sticker on the front of the Policy.

Sorry, I should have answered your question. I have done Smart UL in years. My guess would be start with a premium search to guarantee at guaranteed values.