Lemme tell you a little story. A sweet older woman, part time home health care nurse on social security, contacts me because she wants to purchase life insurance on her 37 year old son. He is a smoker, but I could still get him a 20 year, level premium term with 20k on each of his 2 kids for less than $40 per month. It was enough to take care of all the needs listed when I sat down with the two of them in our fact finding meeting.
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