I would welcome any thoughts, advice, opinions or guidance on helping me find the best fit for my client's needs regarding Universal Life. He is 65, non-tobacco, 5'10", 225lbs. A retired veteran who is on 100% disability. He has about 25 prescriptions however none for diabetes, heart disease or any other possible knock outs. He suffers from depression and PTS. (is PTS a knock out?) He is wanting a Universal Life for $188k. I've been reading Insurance Forums since 2011, when I first joined the world of insurance. This is my first post. I've got faith that my fellow insurance agents in a
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