Non-smoker
Smoker
Healthy / minor only
Diabetes (controlled)
1 depression med
Heart attack (recent)
Stroke (recent)
Current cancer
Multiple / serious issues
Declined on Term/IUL
Recommended product
Primary carrier
Backup
Logic from the OFG Rules of Quoting. IUL/Term → FEX → GI · $80/mo floor · always verify the premium in Insurance Toolkits / Copilot.