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  • Search for Universal Life
    I would welcome any thoughts, advice, opinions or guidance on helping me find the best fit for my client's needs regarding Universal Life. He is 65, non-tobacco, 5'10", 225lbs. A retired veteran who is on 100% disability. He has about 25 prescriptions however none for diabetes, heart disease or any other possible knock outs. He suffers from depression and PTS. (is PTS a knock out?) He is......
  • I Believe Whole Life/universal Life is a Waste
    I see people always talking about the benefits of a whole life policy, but all I see in whole life is a waste for people who don't have an income of over 250k/year. Sure you can get tax benefits with it, but the people who say its an investment have to be retarded. Everyone knows you can get a better return on the market if you invest properly, sure their are ups and downs but the returns at......
  • Who Does Universal Life Down to 15k
    I have a customer who I would like to put on this but it does not seem any carriers go this low. Seems like 25k is the minimum. Anyone know of any carriers who will go down to 15k?? TIA....
  • Who Does No Lapse Universal Life Down to 10,000?
    Anyone know the answer to this. I know the underwriting is more strict but I have a few customers over the last few months who are just looking for me to beat their rate. And I cannot do it with FE or even fully underwritten whole life....
  • Whole Life Term Life Universal Life
    ---Quote (Originally by Robert Barney)--- Be more specific. ---End Quote--- Does compulife also do whole life as well?...
  • Converting Whole Life to Universal Life
    So I have some WFG people trying to recruit me and at the same time telling me to convert the whole life product with one of the big 4 mutual life companies I brought a few years back into an IUL. Basically the shill is bigger cash value growth with the IUL and how whole life is low returns. So skipping the keeping insurance and investments separate, what are you life gurus view on it? ......
  • Universal Life Contracts with Raising Rates
    How does everyone see the raising rates in the future affecting recently sold Universal Life products? I've been thinking about using ON V-Pro UL. What I wasn't sure about was with raising rates- will in force contracts receive higher rates as well in the future? The contract guarantees 2.5%. The illustrated current values with 3.55% years 1-10 and 4.3% in Yrs 11+ show a pretty healthy......