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  • Who is Your Favorite Single Premium Whole Life (SPWL) Carrier?
    As I look more closely at these products, I can see their value in certain situations. Who is your favorite carrier, and why?...
  • Simplified Issue Whole Life 35 Yr Old
    What companies would write a 35 year old on a simplified issue whole life plan. I only have a couple of FE companies and they only go down to 50....
  • Final Expense Company that Has Fully Underwritten Whole Life
    So I'm doing FE now but am running in to some whole life situations where a fully underwritten product at competitive rates would be nice. Which of the main carriers usually discussed on here have a good whole life?...
  • Need a Good Term/ Whole Life Company
    I currently focus on final expense but I need to also offer fully underwritten larger policies for people that want that instead of a small FE policy. What is a good company as far as rates and liberal underwriting?...
  • 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......