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There are tons of seniors that are good for SPLI. I had a guy who was 75 healthy as a 20 yr old. He had a 100k DB and 80K in cash value. I explained to him how he could get alot more benefit by just transferring the CV. He said he knew he could do better and that he use to have his insurance license. Needless to say he didnt do anything ith that policy and said he didnt see the need to change it. What an ***.