[Rick Lee]

BTW, this woman in CA who would save $40/mo with me is a Longshore(wo)man at Long Beach, makes six figures. She wants a large term policy for income replacement, because of her disabled husband, and she's in a line of work where an accidental rider makes sense. I need to figure out a compassionate, gentle way to tell her she does not a 30 yr. term. Her husband is early 50s and on dialysis. He will not live 10 more years. So she would not need to carry that much insurance for much longer than his life expectancy.