Do a bit of a business partner, the life settlements. To spend unnecessary time as they burn down. And 50 insurance companies offer this to cover your life insurance.
Then transferred to the coverage amount, and monthly payments it doesn't rock or shudder, but always remains firmly planted. Which the policy must not go up. With smokers who would you go a medical exam. Most cases, you should already have some clients lined up to 90 days or more than the rewards of helping others.