Hey, Neal, I have always
favored term over WL or UL products
until I began researching the Final Expense market and because «term» means exactly that, «term» it can only be written up to certain ages, will end at the end
of the «term»
of years, with the only option for the
client being to convert it to permanent (WL) insurance at whatever their age cutoff is or term expires.
The collaborative lawyer acting as independent counsel in a mediation might also have a retainer agreement and independent counsel agreement that follows the collaborative law model in that the mediation won't be derailed in
favor of litigation, and that the
client will be expected to remain in mediation
until settlement is reached.