IUL w/non-lapse rider or WL seem to be the best choices based on the scenario presented. While you have pitched IUL, adding the non-lapse rider not only protects the client, it gives you professional creditability. Use this event as a learning experience. Plenty of solid knowledge on the forum, but you can empower yourself if you research the possible solutions. Lots of your solutions can be solved when you know what the product can or cannot do.