Question

John, a life insurance agent, has suggested that his client, a 29 year old father of three purchase a universal life insurance policy to protect his family should he die within the next twenty years. John is recommending all of the following riders, except......

Answer 1

John is recommending a universal life insurance policy for his client, but the specific riders he is NOT recommending are not mentioned in the given information.

Step-by-step explanation:

John, a life insurance agent, has recommended a universal life insurance policy for his client who is a 29-year-old father of three. The purpose of this policy is to provide financial protection for his family in case he dies within the next twenty years. The question asks which riders John is NOT recommending.

Unfortunately, the specific riders recommended or not recommended by John are not mentioned in the given information. To determine which riders John is NOT recommending, we would need additional information or context about the riders available for the universal life insurance policy.