Nobody chooses guaranteed issue whole life (GIWL) because it's their first pick. Clients end up there because their health leaves them no other option. And once they're there, we hear the same thing over and over: they want more coverage than the policy can give them.
Most GIWL products top out around $25,000. That covers final expenses, but it doesn't leave much for a spouse or family. There's no underwriting route to a bigger whole life policy for these clients, but there is another way to add protection.
