do u mean like heart attack strokes cancer type policies if so gtlic has one but i have never sold one i have spoken to other agents who have(so they say) been pretty successful with them especially with the lower income people who can't afford a lot
GTL - Guarantee Trust Life Ins. Co., has a product that serves a duel purpose of CI combined with a 10 yr. term life. K-Dub has had success with this product as an add on to individual health policies. Reasonable cost for the right age bands.
.............Sorry Johnrocks - I didn't see your post prior to this one.