Talking with Prospects That Already Have Life Ins

One of the local GA's tells agents to use age 95 when writing UL. Seems low to me, but what do I know? Guess he's telling us to sell on price.

And Mark - please redo the piece so it's easier to read.
 
I agree UL's need to go past 100, life expectancy is so much longer now, what would you say to your client? Sorry I thought you'd die before now? Extend it to at least 105 or 110.
 
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