Allan Schultz is a recent university graduate and has just landed his first job. You...
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Allan Schultz is a recent university graduate and has just landed his first job. You have been referred to Allan and your interview with him provides the following profile:
1. He is a motivated focused professional
2. Will in all probability marry and begin a family within 5 years
3. Entrepreneurial and wants to be in business for himself
4. Not risk averse with respect to investments
He asks you to recommend a life insurance policy that meets his current needs and provides the flexibility he requires for the future. You propose:
| A. | Non-Par WL insurance with WP and GIB
| |
| B. | Renewable and Convertible Term Insurance
| |
| C. | Universal Life, affordably overfunded, level Death Benefit, with WP and GIB
| |
| D. | Term to 100 with Waiver of Premium on Disability (WP) and Guaranteed Insurability Benefit (GIB)
|
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