Who Will Offer: $500k; 53yo F, 11k Salary

Help her get a better, higher paying job, then sell her a WL policy. Looks like she wants permanent coverage anyway.
 
When I first started selling life insurance, I wrote a $750K 15yr term policy app on a guy with virtually $0 net worth, and a $15K Salary. He was 37 so the premium was very low.

I got a letter back from the carrier letting me know that it would not be considered, referred me to the guidelines for "field underwriting" and further admonished me, that if I valued my appointment, not to ever send anything like that to them again.

It may not be such a big deal now, since everybody is an online marketer, and wildly sending in all kinds of apps, idk.
 
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