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Lets see for starters because of the E-cigs he will be smoker class with everybody but Pru. Looks like he is also taking stuff for his heart, diabetes and depression?
Does he have any coverage now? Anything you can convert?
Yea, not a candidate for fully underwritten products.
The other thing that would concern me is if he doesn't have any life insurance at 51. I have a feeling is if it isn't damn near free, he's not a prospect.
Non tobacco with Americo for FE.