https://www.youtube.com/watch?v=tMcqjD1X3CQ
If you have any substantial health issues you stand a better chance of getting approved at a better rate with a traditional life insurance application. If you're healthy you could be spending as little as 1/3 of what New York Life wants. But our beloved AARP preys on us old folks and our parents and makes us believe that they are there for us.
