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@tdhope There are actually people who do this quite efficiently... but how much are you charging?

@jws6262 At work, we use Salesforce, which is a software that the company invested in. But I find Microsoft Excel so much easier to use. Google Sheets also works well.

@resjudicata He should check that out then.

@resjudicata Two different products. Annuities is a poor man's life insurance because it requires no underwriting. So normally for an annuity, you provide a lump sum to the company and the annuity pays out like a pension with a possible lump sum based on how the policy is designed...

@sueann1205 Possibly guaranteed issue (which isn't a lot) or get insurance through work or an association. Not much else since you told us you've been denied several times