moo express guideline UW Sheet AIG GIWL Why Us Referral Flyer White logo plat tier gold tier silver tier free leads discount leads Aged Lead Script IUL explain Meme Jimmy B Meme Maury New Leads Script Objections Script Aged Lead Script IUL explain 85 90 70 65 Aged Lead Script IUL explain 95 100 80 75 IUL explain 110 115 Aged Lead Script IUL explain 120 125 105 90 70 100 80 200 300 400 500