I met with a mortgage protection lead tonight and would like to hear how others would have overcome this objection... 59-year-old male non-smoker... Takes to high blood pressure medications and is currently on oral medications for diabetes diagnosed three months ago ... He was on insulin for a week to get it under control quickly because his numbers were really out of whack... So I went UHL express issue deluxe 25,000 was $130 per month ... Obviously, going in he was expecting to cover his whole $180,000 mortgage and I had to explain to him that he only qualified for up to 50,000... One of his objections was he could put the hundred and $30 per month in the bank and in 15 years he would have almost $25,000... I explained to him that there would be taxes along the way and this was a tax free death benefit and also the chance that he died early to benefit would be even greater