Twilight,
Thank you very much. I will let him know.
Your welcome.
Just a word of caution with GIWL....as an agent you are on the hook for a full commission chargeback on Death of the insured.
Kemper has the lowest waiting period (100% 1-6mo, 75% 7-12mo) Most other GI products will charge back the agent over 2-3 years for a death claim.