Would your clients be interested in a no-lapse product where they could actually reduce their costs of insurance over the years?  In other words, would they want the opportunity to pay less as time goes on?  Of course they would.  Best of us all, their initial premiums would be spreadsheet leading in the first place.  

So let's see.  Extremely competitive no-lapse premiums and an opportunity to decrease them...but how?  By doing 2 simple things.  First, they have to go to the doctor at least once every two years.  Second, they must maintain their weight within a range determined at issue.  It's that simple.