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- #11
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KCL is one of the last family own life insurance companies in the US. It's real big in the Midwest. The prices on its term insurance is in the middle of the pack. They have a respectable UL. Because they are a smaller company, the underwriters will work with you on some of the tough cases to get them issued at a favorable rate. You should have your client call customer service to get the policy info. They are always very helpful and friendly.
They were helpful, but not overly friendly. They knew I was an agent that might be replacing the policy.