Age 18-40
30yr TERM (With Money Back)
Age 40-60
20yr TERM (No Money Back)
Age 60 to 80
WHOLE LIFE (Lasts Whole Life)
Age 18 to 70
ACCIDENTAL (If Can't Qualify)
On TERM Cheat Sheet:
If it says Decline then offer Accidental.
If it says Not Asked write Term.
On WHOLE Cheat Sheet:
If it says Guaranteed, ROP, Modified or Graded, offer Accidental.
If it says Preferred, Standard, Not Asked, or Immediate write Whole Life.