I would explain that you are not in the habit of replacing good insurance policies and this sounds like something that is "good". Although it sounds "good" you have seen many clients promoised one thing and delivered something else. If it is as you believe it to be, you be glad knowing it to be verified by the carrier. I have this inforce illustration request form that you can sign and we can look at any scenario you want to see. Once this comes back, we can see exactly what they will pay as a DB. Until then, t is very hard to play poker and bluff without any cards in front of us.