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  • Guarantee Issue Whole Life for Younger Ages and Does Telesales. Any Suggestions?
    obviously i prefer one with decent rates for clients, and decent commission to the agent. i sell in Calif. plan to expand later on. I need telesales, hopefully with younger ages as low as 30 and above, and guarantee issue of course. any suggestions?...
  • Whole Life Thru Credit Union
    Met with prospect yesterday who has whole life that he acquired via the credit union. I looked at his papers and it has a policy number. The papers were loose and not bound together (like a normal policy). There is no company signature page or copy of his application. The cash value page showed immediate coverage from year one on. The welcome letter said something like "our 2 question......
  • Group Guarantee Issue Whole Life Carriers
    If anybody can help, thanks in advance. I'm looking for a group whole life insurance carrier for a 250 employee company. I know AFLAC, Colonial, Boston Mutual. Any other carriers?...
  • Should I Cancel My Whole Life Policy?
    I purchased 2 whole life policies from State Farm; one in 2009 then another in 2010. Each policy is for $25,000 and combined they cost me about $55/month. At the time I figured they would be a good "investment" because the lady that sold them to me said they would be :twitchy:.... I was 20 when I bought them and figured why not. But now I don't really see the need for them. I have a steady......
  • 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......
  • Sagicor Whole Life Rate Request
    Hey all, Our agency is primarily a P&C agency and our life insurance marketer doesn't have access to Sagicor rates. Can someone help with a Sagicor rate on a 46 year old male non-tobacco for $30,000. 5'7" 190lbs. Or, if there is another carrier priced competitively. Thanks in advance....
  • Guranteed Issue Whole Life Quote
    Hello All, I've got a 78 year old lady that had strokes in 2012 and 2013. She had no paralysis from the strokes, but she now walks with a walker. The only option I've come to (so far) is a guaranteed issue whole life policy. Premium comes to about $307/mo. $25k DB. They originally wanted $50k, but I don't know of anyone who will offer 50. Any other ideas or options? Cheers!...
  • Newbie Whole Life Questions
    Hi everyone! Hope you can give me some sage advice. My dad has a whole life policy through American General (AG). He opened back in 1958! I am the beneficiary. Face value is $25K. ETI coverage: approx $28K. RPU coverage: $26,850. My dad still sends them a check reliably every month. He has a $4K loan out against the policy. He did not know he had so much equity built up in the policy, and he is......