It's a limited fixed indemnity guaranteed issue plan that covers nothing ore existing for 12 months. It is what it is. Nothing more. Nothing less.
Their wrap around accident and CI is a great product as well.
Who in the world is offering you a 12 month advance? The carrier does not advance. I assume you have to assign commissions and get paid from a GA
to get the advance.
Advancing 12 months on any limited product is just crazy.
You should go as earned and take a higher contract. PM me if you want more information.