The Mass Mutual Dilemma for Independent LTC Agents

Poll question:

You are contacted by a 62 year old single female applicant:

You are asked by her what is her best option between either a traditional or a hybrid policy:

You open your computer and rates are reflected:

Upon plugging in the benefits desired, your choices are:

Mass Mutual unisex rates $3300 year (but you can no longer sell it and earn any compensation whatsoever)

Mutual of Omaha $4900 year (you can sell it)

Lincoln Moneyguard $107,000 single pay (you can sell it)

With this fact pattern what will you say to your single female prospect, and why?
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