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Your client Jerry, age 25, would like to purchase life insurance to protect his young family in the event of his premature death.

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Your client Jerry, age 25, would like to purchase life insurance to protect his young family in the event of his premature death.<br?Based on the family's tight cash flow, he would like to keep the cost of his insurance minimal. However, Jerry has certain health conditions and is concerned about being denied coverage. The underwriter informs you that Jerry is eligible for coverage at his current age, but if his condition worsens he may become uninsurable in the near future. Which of the following policies is most appropriate for Jerry's situation?






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