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I don't think you would find a term company that would sell a 30- year term policy on a 60-year old. It's WAY too likely they would die during the term.
You could use a UL. But again, they would have to be reasonably healthy. Not someone that would have to go with GI.
Agreed.
With my 62 yo smoker Americo would go 25 yr term at $123. But Sagicor GUL would be $113. to age 121. Not sure what a FE would be, But it would be higher.