1) Can a person who is overweight, and/or a smoker and/or has bad credit, apply for a lower premium on their existing policy if they lose weight/stop smoking/improve their credit score?
2) How do you know when to use the human life value or needs analysis approach when determining a client's life insurance needs?
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2) How do you know when to use the human life value or needs analysis approach when determining a client's life insurance needs?
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