Seeking Guidance on Life Insurance Options for Two Couples with Specific Health and Financial Situations

Hey guys, I'm an insurance agent looking for some expert advice on the best life insurance products for two couples, Jen & Ben and Sara & Charlie, along with their children. Here's the breakdown of their situations:

Jen & Ben: Jen, 40 years old, has an elevated A1C and a heavier build, leading to a table 5 rating. Ben, 45 years old, is overweight and on a list of medications. They have 1 million in the market and 5 million in hard assets. Yearly income: 275k. They have 4 young children.

Sara & Charlie: Both have a yearly income of 275k. They also have 5 million in hard assets and 1 million in a brokerage account. Sara has controlled hemophilia. Charlie is relatively healthy for his age. They have 2 young children. I'd appreciate any insights on the best life insurance products that suit their unique health and financial situations, especially with their children in mind. Your guidance will be invaluable in helping these two families make the right choice. Thanks in advance! 🙏🏼

submitted by /u/Powerful_Reception_6
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