What if someone can not obtain life insurance?
ESPlanner recommends life insurance when needed. I have two questions:
1. What if a person can not obtain life insurance due to medical problems? Would it be possible to have a election to turn off the life insurance computation?
2. When life insurance is recommended, the amount recommended changes over time (dramatically). Term life insurance generally has two characteristics, a fixed death benefit and a fixed term. How should the reality of the marketplace for term life insurance be reconciled with the variable recommendation?