First off I know I do not work your market, and I get that a huge chunk of the Fe market is not a good fit for a GUL with the lapse proctection WL can offer compared to a GUL as well as the underwriting differences. That said do you ever consider writing them. It would seem on occasion you would run across a good fit for these. If they have no interest in CV, healthy, and not a great concern about lapsing it would seem to be a great fit. Again I read these forums quite a bit and in no way am I suggesting these type of clients are even close to the norm for you, but do youwrite them GULs, have
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