How to Close a Tight Wad?

I was soooo close....:no:

Presented a hybrid of term-WL, $300,000. $184 month. He liked the cash-value/ aspect. Wants to leave something for his 21 yr old. And has colitis. Knows the next colitis flare up could decline him. But...."this quarter isn't good, maybe next quarter I'll apply". I know this man well, he makes 6 figures, self-employed and always watching the almighty dollar. For lack of a better term, he is just cheap.

Refuses to turn out exterior light at night - to save a few pennies of power. No smart phone data - ever though he works in IT field. Cursed himself when he bough
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