30yr TERM (With Money Back)
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.