Have a couple- 57 y/o male , 59 y/o female interested in getting United Home Life's "Express Issue Whole Life"(Graded Benefit). They are only wanting 3K each. My rate sheets for pac only begin with $5,000 and I don't have a "calculation" sheet to figue lower amounts. Could an agent who sells U.H.L. please give me a quote for 3K for the above ages (tobacco and non tobacco). Really apreciate the help. Thanks!