OK....I have kind of a complex question about a choice one of my clients will be making next week. And I thought it would be cool to poll my friends....here goes: this client is 63, not in the best of health, and has a choice of 4 different "final expense" life insurance policies. Each has a different "waiting period" before the full benefit kicks in (at the very least his family will get all the premiums back if he dies VERY soon)....which would you choose? I've rounded the premiums off....and the amounts in the parentheses are the benefits the first 12 months, the second 12 months, and the full benefit after 2 years. I'm just curious as to how which policy you'd choose, if you were in his shoes!