⚡ 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.