I am writing this on behalf of my mother. My parents are still married (she is in her early 50's) and my dad is 75. She already has 90K universal life on her husband through metlife, and was told that without a physical they would only be able to increase it maybe 10k. My father REFUSES a physical and just seems bitter about helping her with obtain life insurance so there is no way in convincing him otherwise. What would you recommend as far as companies? He is still in good health. She is looking for a company with the max she could get for life insurance. She is self employed.

ALso she has insurance on herself for 90k too. (but most likely she will outlive my father since she is older than him) but she is now realizing that the policy amount is very little.