Anything i can replace this with that's worth it for client?

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female 65 about to turn 66 very healthy 5'8 216lb ,vapes. only takes a statin and no cardiovascular issues
she has protective life whole life 18k pays 86.00 she has had for about 2 years. any fully underwritten that goes down to 20k-25k ?
 
Protective WL? Was it a conversion? I would check the guarantees on that policy.

Cincinnati Life may still consider non cigarette smoking as non smoker. They used to go down pretty far.
Assurity went down to $10k i think.

Why replace it?
 
female 65 about to turn 66 very healthy 5'8 216lb ,vapes. only takes a statin and no cardiovascular issues
she has protective life whole life 18k pays 86.00 she has had for about 2 years. any fully underwritten that goes down to 20k-25k ?
IM is $90/mo for $18K

So not better. Unless there's a reason she wants away from Protective.

PFA is $72/mo for $18K

CF is $79

Trinity/FBL is $84

So there are option. Depending on who you have.

Trinity/FBL is an automatic APS.
 
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Havent seen the policy yet but she told me her allstate agent wrote it as a replacement to prevois policyTo earn a commission but only if it helps her too
She didn't tell me she tap
IM is $90/mo for $18K

So not better. Unless there's a reason she wants away from Protective.

PFA is $72/mo for $18K

CF is $79

Trinity/FBL is $84

So there are option. Depending on who you have.

Trinity/FBL is an automatic APS.

started out thinking she was non tobacco until she said she vapes and that it would be an easy legit replacement but yeah not going to replace to save 5 bucks but i am going to do 3 way with client to protective to verify it is whole life.she told me the allstate agent that wrote the protective life replaced her old WL that had outstanding loans .
 
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