Ok I'm fairly new and I've been doing some thinking on what's best for the lower income people that I run into that need life insurance. So as of lately instead of selling my clients that are pretty young and healthy but are pretty broke term policies ,I've been writing settlers life 10 or 20 pays ballpark monthly is about 38-44$ per month for 20-25k in coverage. Here is my logic and tell me if I'm looking at it wrong . A lot of the lower income people I meet are not financially savvy enough to do the whole buy term and invest the difference strategy, nor can they see themselves being financia
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