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.