No,,, but in that situation there are companies that offer single premium whole life. If their health is such they can't qualify, refer them to a preneed agent and move on.Would you ever have a situation where a client couldn't afford the FE and since you didn't offer Preneed, did you feel like you missed out on sales? I've had it happen several times where they just wanted to buy out the plan for a cremation instead of paying monthly for it over 15-30 years.