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• Ages 18-80
• Exam usually required
• Medical Records Reviewed
• $100,000-$10,000,000
• 10, 15, 20, 30 year terms
• Income replacement
• 5-45 days of underwriting

• Ages 45-90
• No Exam Required
• Answer a few questions
• $2,000-$50,000
• Whole Life
• Final Expenses
• Instant approval