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  • Starmount "indeterminate Premium Whole Life"
    Anyone else ever come across this garbage? Rates increase in year 6 and 11 (6 x increase in year 11) and doesn't build cash value until year 13. How do they call these whole life and not UL?...
  • Whole Life Sales Tips from Ex-MDRT Presidents
    Just posted Chuck Hirsch, CLU’s latest article (link below) interviewing heavy-hitter whole life experts Brian Ashe, CLU and Adelia Chung, CLU, ChFC. Here’s a couple of quotes: [I]“A now 73-year-old neurosurgeon client, who bought whole life I recommended to him more than 38 years ago, told me recently, ‘It was tough at the time, when I was just starting out my practice, but now I'm really......
  • Please List the Names of Some Good Imo's for Ul and Whole Life?
    I'm looking for an imo who gives out ga type contracts on co's like banner life,protective,pru,met etc.I'm not looking to get screwed with 55% type contracts. Please list some imo,fmo's and bga's who handle many of these bigger co's. Thanks ---------- Would appreciate any names...
  • Whole Life Insurance a "scam"
    If any of you listen to Dave Ramsey, you'll know he's no fan of Whole Life Insurance, calling it a 'scam' because 1. Much higher per K than term 2. You won't get the death benefit & the csv 3. Many times the premium will exceed the face amount How would you respond? Edit: for the record I sell SIWL every day of the week and I have my own responses to the above points, but I'm curious......
  • Marketing Whole Life Via Telephone - Advice Needed
    I'm in a job as an on-site year round blitz enroller. One of my products I have to market to employees of the company I'm assigned to is Level Premium Whole Life. The company offers employees three term policies (one is company-paid; 1.5x salary) including AD&D. Because my WL has such low dollar value (ex - 55 y.o. in Texas, non-tobacco has $12,133 at $20 per paycheck), I'm having a hard time......
  • Who Has the Best Paying Whole Life Policy for Bank on Yourself ?
    Who do you all use for life insurance if someone has read the book bank on yourself? I heard rumors kemper had a 5% policy but no one has confirmed. Thanks...
  • Whole Life Question
    I have a 100,000 whole life policy I have had for about 3 years. It is expensive, $815 a year. I keep reading where whole life policies arent worth the extra cost, but term life policies almost never pay out. On the other hand, I have read where life insurance would be better than annuities (which i also have) because youre not taxed on life insurance. All of this is too confusing, can someone......
  • Good Whole Life Carrier?
    Now that the brawl, I mean football game is over, back to work. I am a P&C guy selling more and more life policies.I mainly sale term and UL through Mutual of Omaha and Transamerica. Unfortunately, neither one has a decent whole life product. Who should I look at for good whole life products? Also, I need training to assist me in explaining how whole life is a good investment product. Any......