Guarantee issue term

Calstar comes up on FEX. It says it’s “Almost Guaranteed” issue ages 18-74 term to 110. I’ve thought about using that for some younger clients, but have never picked it up. I don’t remember why not, though. Any of you have any experience or insight on that one?
 
Calstar comes up on FEX. It says it’s “Almost Guaranteed” issue ages 18-74 term to 110. I’ve thought about using that for some younger clients, but have never picked it up. I don’t remember why not, though. Any of you have any experience or insight on that one?
I seem to recall that it pays a whopping 20% commissions. I picked them up, but ended up having them terminate my contract.
 
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