Need Term Policy for Senior

[dgoldenz]

Were you going to take Yoda's mom out for a nice dinner?

Dorothy Mantooth is a saint!

 

[fdahl82]

Give it a few minutes, you remember why for the next 4-5 hours!!! :bump: hahaha

Sorry, I took this damn blue pill and can not remember why?!?

 

[justinking]

tidefanj, did you take a look at AARP programs? They have deals for their members and insurance may be one of them.

 

[WinoBlues]

tidefanj, did you take a look at AARP programs? They have deals for their members and insurance may be one of them.

The AARP policies' premium are age rated. They go up every five years. Then terminate at age 80. Very easy to beat.

If he only wants term, sell him a term.
If he wants a small burial policy at the end, sell him a combo GUL and term or 20pay WL and term. Or look at ROPs like Cincinnati that have a RPU option.

I would just offer him the three or four options on a one pager. Showing him what happens in year 21. Let him pick. I would also have the permanent options in my case.