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If you run across an Orman or a Ramsey follower, agree with them, sign them up, just make sure it's convertible term. Make them a client first, second and third. It is easier to convert a client than it is a prospect. If somebody wants term... I simply say how much and how long?
I have no problem writing term. It makes sense to a lot of younger folks.
I just can't stand these people who have lost their license or went through bankruptcy giving horrible cookie cutter advice.