Going to Meet with a 68 and 69 Year Old on Feb 24, 2015. Help!

They both have life and health insurance with us. Their term has expired. They only have 9,001 in whole life each and a hospital indemnity rider.



I know they are not covered enough as far as whole life. What tips can you veterans give me that will help me out?



For background, this is my 3rd week out in the field running solo appointments

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