I'm working with a client who is nearing the end of her 15 year term policy. The policy was issued with a tobacco rate and a rating for weight. She quit smoking 5 years ago and the carrier changed her to a NT rate but her weight has continued to increase. She now wants to convert a portion of her coverage and has been quoted by a rep for the carrier at a "standard NT" rate, saying he sees no rating on the current policy. Needless to say, the rate is quite low considering her current weight, and the question is if they issue the conversion at the lower rate and she then she dies, if the carrier
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