Ok, so I've looked at the list of more recent threads and I haven't seen any but I was wondering what the more preferable carriers would be for smokers. You can easily run a compulife quote for term and guls or use a quote engine for final expense but obviously you can't for iuls simply because there are way more moving parts. So you would have to run each illustration separately which can be time consuming.
I already know what the basic list is for non smokers but what is it for smokers ? Let's assume the scenario is a 40 year old male smoker within height and weight guidelines and no other health issues or legal issues. Thanks guys!
Also, for all you par whole life guys please feel free to chime in on par whole life carriers that are great with smokers too. (I like par whole life too.)
Please no hating and please be kind. I have no desire to start another fight club thread. As always, I am very grateful for everyone's contribution.
MIM
I already know what the basic list is for non smokers but what is it for smokers ? Let's assume the scenario is a 40 year old male smoker within height and weight guidelines and no other health issues or legal issues. Thanks guys!
Also, for all you par whole life guys please feel free to chime in on par whole life carriers that are great with smokers too. (I like par whole life too.)
Please no hating and please be kind. I have no desire to start another fight club thread. As always, I am very grateful for everyone's contribution.
MIM