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  • 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......
  • Gerber Grow Up Plan Vs. Other Whole Life Insurence Policies
    My client is looking to put her children on a whole life insurance plan. Which one do you suggest? We were originally looking at the Gerber Grow Up Plan but were curious as to which one would really be the best. Any advice?...
  • I Need a Whole Life Company
    I need a whole life company for an 85 year old in good health other than having Alzheimer and in the nursing home. I have done a lot of research without any luck. I though I would come here to see if anyone knows of one. Gerber and Vantis only go to 80...
  • Simplified Whole Life
    Does anyone know of a carrier that offers more than a 100k face amount for a simplified whole life?...