Should I have any qualms about replacing a less than one year old Settlers Life Fun'l Trust (WL) that provides 24% less coverage, for 30% more Premium than what I can provide without the Trust and with FE immediate issue? Have encountered this for the first time last week and wanted to be sure I am offering replacement in the best interests of potential client? Do you treat this like any other typical FE replacement, if it makes financial and coverage sense for the client who is paying too much for it, or am I touching something with an IUD on it?
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