An advisor called me in March about a 52-year-old business owner. Type 2 diabetes, well

managed. Another carrier had come back Table 4 and the client was ready to walk.

We ran it through a program built for exactly this. Final offer: standard non-smoker.

Same client. Same health. Different desk.

The lesson isn't that one carrier is better than another. It's that a rating is an opinion, and

opinions can be shopped. If you've got a rated case sitting on your desk, it might not be

dead. It might just be in the wrong pile.

Tracking Number 9095617.1

Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. True Wealth Strategies LLC. is not an affiliate or subsidiary of Guardian. CA Insurance License #4205864. 9095617.1 Exp. 09/28