Presentation Co-Pilot

keep it open next to CrankWheel

⚡ Rebuttals (tap)

💵 Quoting cheat

Underwriting order & rules

IUL / Term first → FEX if won't approve → GI last. When in doubt, cheapest quoted. $80/mo minimum premium.

Healthy → SBLI Term / MOO IUL Express · Diabetes(controlled)/1 depression med → Term/IUL · Heart attack/stroke → FEX (MOO Living Promise) · Cancer 45–75 → GI (UHL EIWL) · Declined on Term/IUL → pivot FEX

Carrier max coverage
MOO IUL Express$550k
Transamerica IUL$500k
UHL Premier (FEX)$100k
Transamerica FE$100k
MOO Living Promise (FEX)$50k
GI — UHL EIWL$25k (45–75)
Coverage tiers (anchor high)

25% · 50% · 75% · 100% · 100% + 1yr income · 100% + 2yr income

100% = Loan · +1yr = Loan + (monthly income × 12) · +2yr = × 24

Built from the OFG playbook. Follow the real Presentation Script word-for-word; only adjust tonality & pace.