suggestions: 51YO tobacco, will be an FE situation best service/pricing?

[yorkriver1]

My younger term coverage client referred an older relative who would like $300K. In case that won't work, FE suggestions, and I am aware that the most to be offered is likely to be $30-50K

 

[jdeasy]

Kind of a broad question.

No reason he can't get $300K unless there's health issues.

What does he want? What's his budget? But more importantly, how's his health?

How long does he need that much coverage? If the need is temporary then use temporary insurance. If the need is permanent then use permanent insurance.

Either one will depend on what he qualifies for.