I have a client who has $3700 in a 10k UL that will crash in her late 70's and wants a lifetime guarantee on a 10k policy. She is a 63 F smoker with good height and weight no meds and no health history what so ever. Anyone know of a good program I could 1035 this cash into and keep her premium low? I looked at Sagicor and Assurity so far. Thanks in advance.
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