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This is one of the times I would either educate a client to do it my way or walk away. Generally I will take an order to put business on the books and build a relationship, but this is just silly. Term on a child is a complete waste baring a few unusual situations I can think of.
I got one for you. A larger term policy with waiver. For a teen contemplating entering the military. The waiver has to include act of War. If the Warrior becomes disabled while in the waiver kicks in. Many more of our Warriors come home broken than dead.