Alternative to AARP New York Life?

NYL/AARP and other carriers as well--that sell VERY low cost TERM FE.

I find a situation from time to time where the prospect just can't (or won't) spend $50 for FE----and they have heard they can get term AARP/NYL coverage for $20

I dont really want to sell $20 policies---but once I have sunk the cost of the lead, driving to see them, spending the time with them--like to come out with something!

AARP NYL wont sell via agents

Any suggestions?
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