| Posts by dgoldenz |
| Posting date
| Subject
|
| Posted: Tue Jan 3 7:29:45 2012 |
The employer owns the group policy, so they are .. |
| Posted: Fri Dec 30 12:44:57 2011 |
Max,
Do you write a novel every time someone .. |
| Posted: Wed Dec 14 8:24:27 2011 |
Max,
Stop making assumptions and accusations .. |
| Posted: Fri Sep 16 6:21:53 2011 |
That's what lawyers are .. |
| Posted: Thu Sep 15 6:23:07 2011 |
Sorry Jane, but how you feel does not change the .. |
| Posted: Thu Sep 15 6:21:51 2011 |
Congrats on taking the first step to protecting .. |
| Posted: Thu Sep 15 6:17:58 2011 |
I think you posted this in the wrong section, but .. |
| Posted: Thu Sep 15 6:15:42 2011 |
Life insurance is not an investment. Do you have .. |
| Posted: Wed May 18 2:41:45 2011 |
I'll put it this way....I'd never sell it. Also .. |
| Posted: Wed May 18 1:40:47 2011 |
There must be a lot of exclusions. Sounds ripe .. |
| Posted: Wed May 18 8:04:04 2011 |
I think the Petersen policy was only for small .. |
| Posted: Wed May 18 5:27:00 2011 |
Not for .. |
| Posted: Tue May 17 4:51:40 2011 |
Then you've got a bit of a problem....the insured .. |
| Posted: Tue May 17 2:15:55 2011 |
Have you asked if he would be amenable to some .. |
| Posted: Tue May 17 1:33:49 2011 |
$2M would be tough. You could stack several .. |
| Posted: Tue May 17 12:08:19 2011 |
Will he allow you to buy the coverage if there is .. |
| Posted: Tue May 17 8:33:23 2011 |
Everything has its .. |
| Posted: Mon May 16 8:41:59 2011 |
Have you considered working out a deal with him .. |
| Posted: Sat May 14 7:35:37 2011 |
Your "clients" are probably going .. |
| Posted: Fri May 13 6:53:56 2011 |
Interesting thread. From my experience, and I am .. |
| Posted: Tue May 10 1:27:45 2011 |
John Hancock, Transamerica, ING, American .. |
| Posted: Mon May 2 4:32:42 2011 |
You seem testy today Max. He's just asking a .. |
| Posted: Sun Mar 13 11:11:27 2011 |
Lots of companies offer it, depends on her health .. |
| Posted: Wed Mar 9 7:38:23 2011 |
What's your health like Standard non-smoker .. |
| Posted: Tue Mar 1 6:23:10 2011 |
What type of cancer Most cancers shouldn't be a .. |
| Posted: Tue Mar 1 12:25:14 2011 |
The Aviva number is wrong too. Even at standard .. |
| Posted: Mon Feb 21 10:22:09 2011 |
Well that sounds like a recipe for some .. |
| Posted: Mon Feb 21 9:32:53 2011 |
WFG seems to keep popping up around here. I .. |
| Posted: Mon Feb 21 9:17:35 2011 |
All UL cases require a signed illustration for .. |
| Posted: Mon Feb 21 9:06:15 2011 |
I don't think I've ever seen a no-lapse UL .. |
| Posted: Mon Feb 21 8:36:31 2011 |
Max....if you have a term policy and miss a .. |
| Posted: Sun Feb 20 11:08:03 2011 |
No, you can't just transfer your policy to a .. |
| Posted: Sat Feb 19 7:13:21 2011 |
In all fairness, that's not really a bogus .. |
| Posted: Sat Feb 19 4:37:49 2011 |
Well, this thread is pretty .. |
| Posted: Fri Feb 18 12:17:59 2011 |
On a side note, if you are really intent on .. |
| Posted: Fri Feb 18 12:10:25 2011 |
Why would it have to be in a taxable account .. |
| Posted: Thu Feb 17 2:01:57 2011 |
Here's a better idea that keeps the insurance for .. |
| Posted: Thu Feb 17 1:05:30 2011 |
This article might be useful for you too - .. |
| Posted: Wed Feb 16 5:50:04 2011 |
See my replies to the following post for some .. |
| Posted: Tue Feb 15 11:06:24 2011 |
He didn't give you an illustration showing the .. |
| Posted: Wed Feb 9 4:46:34 2011 |
x2 on the above. The average interest rate could .. |
| Posted: Mon Feb 7 7:00:09 2011 |
This post is a year and a half .. |
| Posted: Mon Feb 7 6:57:04 2011 |
Investments are for investing and insurance is .. |
| Posted: Mon Feb 7 6:54:31 2011 |
In my opinion, you should take the lump sum. You .. |
| Posted: Thu Jan 13 9:21:35 2011 |
ROP term builds cash value....no, it won't build .. |
| Posted: Wed Nov 24 7:11:54 2010 |
Transamerica is the only company that offers life .. |
| Posted: Wed Jul 21 4:31:37 2010 |
90% of our business isn't local. You don't need .. |
| Posted: Wed Jul 21 11:31:34 2010 |
Error .. |
| Posted: Mon Jul 19 10:42:37 2010 |
In all likelihood, no....Lasik is an elective .. |
| Posted: Sun Jul 18 2:25:51 2010 |
HAHAHAHAHA, seriously .. |
| Posted: Wed Jul 14 11:28:21 2010 |
Companies very, very rarely make those type of .. |
| Posted: Mon Jul 12 9:02:09 2010 |
You'd probably have around $2.20 and be well .. |
| Posted: Mon Jul 12 9:00:46 2010 |
Sure. Step number one is to replace the .. |
| Posted: Mon Jul 12 8:58:58 2010 |
There are only a couple of final expense .. |
| Posted: Mon Jul 12 1:19:58 2010 |
Serious question: What do you do when they .. |
| Posted: Mon Jul 12 10:47:30 2010 |
Probably too late to do anything now. If he is .. |
| Posted: Sun Jul 11 2:38:28 2010 |
What is the seizure disorder Epilepsy How much .. |
| Posted: Fri Jul 9 2:52:25 2010 |
Sounds like today's your lucky day...and the new .. |
| Posted: Thu Jul 8 4:48:53 2010 |
Not to be harsh, but he should have bought life .. |
| Posted: Wed Jul 7 12:40:08 2010 |
BAd Mistake .. |
| Posted: Wed Jul 7 8:17:25 2010 |
The beneficiary is the beneficiary...it doesn't .. |
| Posted: Tue Jul 6 1:08:44 2010 |
I don't think you're lying about the fact .. |
| Posted: Tue Jul 6 9:01:29 2010 |
So where is the line drawn You had the disease .. |
| Posted: Tue Jul 6 6:04:44 2010 |
I'll take your word for it, though I still .. |
| Posted: Tue Jul 6 6:02:12 2010 |
My head just .. |
| Posted: Sun Jul 4 10:32:22 2010 |
You won't be able to get insurance without her .. |
| Posted: Sun Jul 4 9:50:01 2010 |
I would be amazed if this person had truly .. |
| Posted: Sat Jul 3 7:43:45 2010 |
Anyone who has had cancer I can almost 100% .. |
| Posted: Sat Jul 3 6:06:05 2010 |
Roddick - I don't offer insurance to people, I'm .. |
| Posted: Fri Jul 2 8:21:42 2010 |
If you are buying more life insurance on .. |
| Posted: Fri Jul 2 7:31:09 2010 |
That's for a doctor to determine. Anyone who .. |
| Posted: Fri Jul 2 7:16:36 2010 |
I'm still not sure whether you are looking to .. |
| Posted: Fri Jul 2 7:14:01 2010 |
Yes, but if your health changes or you wait .. |
| Posted: Thu Jul 1 9:43:46 2010 |
$440/month versus $710/month is still a big .. |
| Posted: Thu Jul 1 9:40:09 2010 |
If you want to help them, refer them to a .. |
| Posted: Thu Jul 1 12:05:41 2010 |
Yes, those premiums would have to be paid each .. |
| Posted: Thu Jul 1 11:59:01 2010 |
I suppose that would depend if you want to .. |
| Posted: Thu Jul 1 10:26:49 2010 |
If you want to guarantee the cost of insurance .. |
| Posted: Thu Jul 1 9:19:31 2010 |
Is there a reason she is uninsurable other than .. |
| Posted: Wed Jun 30 10:42:02 2010 |
Run away. Run far .. |
| Posted: Wed Jun 30 10:37:28 2010 |
You can't take the cash value out of an ILIT, so .. |
| Posted: Wed Jun 30 10:25:08 2010 |
Pros - Guaranteed forever, death benefit and .. |
| Posted: Tue Jun 29 9:26:22 2010 |
No. Term insurance does not have cash value. .. |
| Posted: Tue Jun 29 8:58:41 2010 |
Note - Make sure you have the help of an .. |
| Posted: Sun Jun 27 9:48:13 2010 |
30+ years in business and never had a single .. |
| Posted: Sat Jun 26 8:55:05 2010 |
No, they didn't say where they lived....Sun Life .. |
| Posted: Sat Jun 26 2:51:34 2010 |
I will disagree. The OP says they have term .. |
| Posted: Sat Jun 26 9:29:23 2010 |
You can, but you shouldn't be giving that .. |
| Posted: Wed Jun 23 8:38:30 2010 |
I can't tell if that post is serious or .. |
| Posted: Mon Jun 14 11:25:39 2010 |
John Hancock and a few other companies will write .. |
| Posted: Fri May 21 1:02:07 2010 |
This post is a year old .. |
| Posted: Wed May 5 7:31:27 2010 |
If you are in reasonably good health, you will be .. |
| Posted: Thu Apr 29 8:02:12 2010 |
Transamerica writes up to age 89. So does .. |
| Posted: Mon Apr 26 4:38:43 2010 |
There is no term insurance for an 86 year old. .. |
| Posted: Thu Apr 15 10:27:58 2010 |
Talk to a lawyer who will charge you hourly, see .. |
| Posted: Thu Apr 15 10:14:58 2010 |
There may be a divorce decree that specifies he .. |
| Posted: Thu Apr 15 8:05:29 2010 |
I think your best bet is to talk it over with a .. |
| Posted: Thu Apr 15 8:04:33 2010 |
Well that was .. |
| Posted: Sun Apr 4 7:35:57 2010 |
May have been, sure doesn't sound like it .. |
| Posted: Sat Apr 3 2:23:28 2010 |
If you don't ever plan on cashing out the policy, .. |
| Posted: Fri Apr 2 7:09:28 2010 |
Is this $25,000 cash value guaranteed Doubtful. .. |
| Posted: Thu Apr 1 6:54:26 2010 |
We could argue all day about participating whole .. |
| Posted: Wed Mar 31 9:28:22 2010 |
I must be getting the wrong illustrations. Most .. |
| Posted: Wed Mar 31 9:04:23 2010 |
I know how a UL policy works, you don't have to .. |
| Posted: Tue Mar 30 10:48:28 2010 |
Sorry Max, but you're making it way more .. |
| Posted: Mon Mar 29 9:51:30 2010 |
Did he mention this with the idea of selling the .. |
| Posted: Mon Mar 29 9:24:00 2010 |
There are many potential risks with premium .. |
| Posted: Mon Mar 29 1:52:01 2010 |
Is there a particular reason your agent came up .. |
| Posted: Mon Mar 29 1:48:10 2010 |
I would tell you to stay far away from premium .. |
| Posted: Mon Mar 22 7:23:56 2010 |
Probably because you don't know what you're .. |
| Posted: Thu Mar 18 1:15:25 2010 |
The amount of bad information that is posted here .. |
| Posted: Tue Mar 16 10:59:16 2010 |
What .. |
| Posted: Tue Mar 16 8:03:49 2010 |
Some ROP term policies have a paid-up death .. |
| Posted: Tue Mar 16 8:23:43 2010 |
Do you prefer sleeping in your bed or on the .. |
| Posted: Tue Mar 16 8:21:05 2010 |
What information are you looking .. |
| Posted: Mon Mar 15 5:12:13 2010 |
It's the value of the death benefit you would .. |
| Posted: Sat Mar 13 10:58:41 2010 |
Divorce and remarriage also creates all sorts of .. |
| Posted: Thu Mar 11 10:35:44 2010 |
In short, .. |
| Posted: Thu Mar 4 10:29:59 2010 |
Who the hell would buy a life insurance policy .. |
| Posted: Thu Mar 4 9:38:36 2010 |
Or A++... .. |
| Posted: Thu Mar 4 9:37:45 2010 |
Yes, you are taking the right approach here. .. |
| Posted: Tue Mar 2 4:58:57 2010 |
Yes, they are usually much more expensive and are .. |
| Posted: Tue Mar 2 4:56:22 2010 |
Would you lose your income if you had to stay .. |
| Posted: Tue Feb 23 6:19:00 2010 |
Since .. |
| Posted: Mon Feb 22 7:20:43 2010 |
Interesting. Maybe they give more leniency to .. |
| Posted: Mon Feb 22 7:19:14 2010 |
If you despise what the company is doing so much, .. |
| Posted: Mon Feb 22 6:59:02 2010 |
From what company We tried to get someone who .. |
| Posted: Mon Feb 22 6:05:59 2010 |
Was your step-brother designated as the .. |
| Posted: Mon Feb 22 6:03:15 2010 |
Tell them to move to the .. |
| Posted: Fri Feb 19 12:48:31 2010 |
"Typical insurance salesman lingo" is .. |
| Posted: Fri Feb 19 6:03:56 2010 |
No offense, but you are going through all this .. |
| Posted: Thu Feb 18 9:57:42 2010 |
If she's been there 10 years, it's probably what .. |
| Posted: Thu Feb 18 6:51:18 2010 |
If it was through an employer, the base coverage .. |
| Posted: Tue Feb 16 8:42:49 2010 |
How old are you and how is your health If all .. |
| Posted: Tue Feb 16 6:52:02 2010 |
It's probably someone trying to capitalize on .. |
| Posted: Mon Feb 15 6:19:22 2010 |
Yes, if his policy has an accelerated benefit .. |
| Posted: Fri Feb 12 8:57:58 2010 |
and 60% less premium! .. |
| Posted: Thu Feb 11 5:30:31 2010 |
How is this any different than term .. |
| Posted: Wed Feb 10 1:22:42 2010 |
Whoever wrote that big article at the top of the .. |
| Posted: Wed Feb 10 1:17:56 2010 |
As far as I know, Cinergy is not health .. |
| Posted: Wed Feb 10 1:16:00 2010 |
Many people seem to think things are "not .. |
| Posted: Tue Feb 9 12:36:10 2010 |
Some states have divorce provisions where if the .. |
| Posted: Tue Feb 9 12:32:41 2010 |
Kathy,
ING should have sent your mother an .. |
| Posted: Tue Feb 9 6:49:07 2010 |
Universal life is not an investment. It may .. |
| Posted: Tue Feb 9 6:47:33 2010 |
It would change it slightly, but not enough for .. |
| Posted: Sat Feb 6 5:02:46 2010 |
Why do you want the $1 million to go to your .. |
| Posted: Thu Feb 4 11:08:01 2010 |
Life settlement buyers are just investors. Those .. |
| Posted: Thu Feb 4 2:17:16 2010 |
And that is why you have different .. |
| Posted: Thu Feb 4 2:08:59 2010 |
It's $40/month now....what will it be when you're .. |
| Posted: Thu Feb 4 8:55:14 2010 |
They calculate your life expectancy based on your .. |
| Posted: Wed Feb 3 9:40:49 2010 |
No, but $12k of that money is already .. |
| Posted: Wed Feb 3 3:37:30 2010 |
Just to play devil's advocate here, a $50k .. |
| Posted: Wed Feb 3 6:18:45 2010 |
What do you mean stay away from them You can't .. |
| Posted: Wed Feb 3 6:16:46 2010 |
If it's been 13 years since that, your life .. |
| Posted: Tue Feb 2 5:31:44 2010 |
Unless your life expectancy is less than 8 years .. |
| Posted: Tue Feb 2 5:29:37 2010 |
According, to this website, it is up to $300,000 .. |
| Posted: Mon Feb 1 3:49:51 2010 |
I'm pretty sure he meant that the aunt was .. |
| Posted: Mon Feb 1 3:35:34 2010 |
I think SPIA rates right now are basically paying .. |
| Posted: Mon Feb 1 3:34:20 2010 |
If he was cited as an equal split primary .. |
| Posted: Mon Feb 1 2:43:07 2010 |
You could buy a life insurance policy to fund the .. |
| Posted: Mon Feb 1 2:41:56 2010 |
No .. |
| Posted: Mon Feb 1 2:41:37 2010 |
If you were each 50% beneficiaries, there would .. |
| Posted: Mon Feb 1 2:39:48 2010 |
That's a pretty broad question without knowing .. |
| Posted: Mon Feb 1 2:39:13 2010 |
What carrier Most states have some sort of .. |
| Posted: Mon Feb 1 2:37:13 2010 |
Lots of questions to answer....
1. How old .. |
| Posted: Sun Jan 31 1:02:30 2010 |
Sorry it took me so long to respond to this, .. |
| Posted: Sat Jan 23 8:00:57 2010 |
The ILIT is not subject to the 3-year .. |
| Posted: Fri Jan 22 9:37:48 2010 |
Underwriting for a second-to-die case usually .. |
| Posted: Wed Jan 20 9:18:14 2010 |
I agree with BNTRS. Some more information would .. |
| Posted: Mon Jan 18 11:54:42 2010 |
Insurers don't do life settlements, life .. |
| Posted: Fri Jan 15 11:42:41 2010 |
A $50k whole life policy at age 66 isn't going to .. |
| Posted: Wed Jan 13 10:33:21 2010 |
The life settlement companies are not buying much .. |
| Posted: Tue Jan 5 1:42:03 2010 |
x2 .. |
| Posted: Sat Jan 2 9:32:49 2010 |
We just finished (for the most part) our new .. |
| Posted: Sat Jan 2 9:29:47 2010 |
It is the amount that is still in force upon .. |
| Posted: Fri Dec 18 9:06:28 2009 |
I would be very surprised if any underwritten .. |
| Posted: Tue Dec 15 4:28:42 2009 |
The first link should have an 8 and closed .. |
| Posted: Tue Dec 15 7:18:24 2009 |
Here's a link to the VGLI premiums for all ages .. |
| Posted: Mon Dec 14 2:26:29 2009 |
Budgetlife has been great for us, but it's .. |
| Posted: Mon Dec 14 5:58:29 2009 |
SGLI is for active service members and dirt .. |
| Posted: Tue Dec 8 8:45:24 2009 |
Are you asking for a .. |
| Posted: Mon Dec 7 9:23:28 2009 |
I'm doing alright. I'm in 3 money leagues and .. |
| Posted: Fri Dec 4 5:43:23 2009 |
Whole life will probably be around the same price .. |
| Posted: Thu Dec 3 2:28:27 2009 |
Max,
That cover letter is a complete joke and .. |
| Posted: Thu Dec 3 6:30:47 2009 |
Max,
I'm not sure what kind of agents you're .. |
| Posted: Wed Dec 2 2:04:09 2009 |
x2. You seem like a smart guy, but the .. |
| Posted: Mon Nov 30 3:12:08 2009 |
I could be wrong, but I don't think USAA has a .. |
| Posted: Wed Nov 25 8:22:50 2009 |
USAA is a great company with competitive rates, .. |
| Posted: Fri Nov 20 11:02:26 2009 |
InsTeacher laid it out pretty well for you....not .. |
| Posted: Mon Nov 9 2:10:46 2009 |
What state are you in Do you want to continue .. |
| Posted: Mon Nov 9 2:06:27 2009 |
Table ratings are an additional premium assigned .. |
| Posted: Mon Nov 9 2:03:52 2009 |
More details are needed:
1. What is the .. |
| Posted: Mon Oct 5 9:13:03 2009 |
Providing the following info will help .. |
| Posted: Wed Sep 23 2:39:59 2009 |
What state are you in If you cash out the .. |
| Posted: Mon Sep 21 11:45:50 2009 |
Mortgage insurance usually is non-med overpriced .. |
| Posted: Fri Sep 18 6:46:39 2009 |
Why would someone pay a new agent for money .. |
| Posted: Thu Sep 17 12:34:19 2009 |
Bump! A new annuity direct-mail campaign system .. |
| Posted: Wed Sep 16 7:01:04 2009 |
Most have no clue what they are doing and get .. |
| Posted: Wed Sep 16 2:20:18 2009 |
Mortgage insurance is overpriced crappy term .. |
| Posted: Tue Sep 15 7:18:08 2009 |
What exactly do you want to know Good company, .. |
| Posted: Tue Sep 15 6:28:58 2009 |
What are your goals for the annuity....to provide .. |
| Posted: Mon Sep 14 10:51:40 2009 |
I coach a few fantasy football teams....does that .. |
| Posted: Mon Sep 14 10:44:10 2009 |
Interesting article.....$4.4 million....wow. .. |
| Posted: Mon Sep 14 7:31:03 2009 |
The prices aren't even reasonable. They really .. |
| Posted: Sun Sep 13 10:51:29 2009 |
No, I haven't had the coverage. I sell .. |
| Posted: Sat Sep 12 1:40:38 2009 |
Get a copy of the policy benefits and tell me how .. |
| Posted: Fri Sep 11 5:13:05 2009 |
You need to set up a .. |
| Posted: Thu Sep 10 8:54:36 2009 |
Am I the only one that wonders why the .. |
| Posted: Thu Sep 10 8:52:13 2009 |
Might be cheaper to put the kids on their own .. |
| Posted: Wed Sep 9 6:28:37 2009 |
Do you have custody of her If your ex-wife has .. |
| Posted: Tue Sep 8 8:44:20 2009 |
Cinergy is a bunch of junk. Just wait until you .. |
| Posted: Tue Sep 8 8:41:52 2009 |
Most likely....is there a health reason stopping .. |
| Posted: Tue Sep 8 8:39:54 2009 |
Yes, you can get a disability policy if you are .. |
| Posted: Tue Sep 8 8:25:48 2009 |
What state are you in Some states have laws that .. |
| Posted: Mon Sep 7 8:16:52 2009 |
Insurance is not an .. |
| Posted: Mon Sep 7 8:15:29 2009 |
Sounds like your "friend" is trying to .. |
| Posted: Fri Sep 4 12:49:54 2009 |
I am not saying that you are looking for a .. |
| Posted: Fri Sep 4 8:28:25 2009 |
I would be surprised if there was NO underwriting .. |
| Posted: Fri Sep 4 5:39:24 2009 |
Here, you can read this about credit life: .. |
| Posted: Thu Sep 3 10:07:34 2009 |
Even if you were to cancel it, you never know how .. |
| Posted: Thu Sep 3 8:10:14 2009 |
You came here asking for information, but nobody .. |
| Posted: Thu Sep 3 7:42:33 2009 |
Any policy that will pay off the mortgage is just .. |
| Posted: Thu Sep 3 7:22:04 2009 |
Is your life insurance policy enough to pay off .. |
| Posted: Thu Sep 3 7:12:47 2009 |
Does your wife work Aside from the need to pay .. |
| Posted: Thu Sep 3 6:47:28 2009 |
How exactly did you come up with .. |
| Posted: Thu Sep 3 6:46:25 2009 |
Yeah I know. Weak .. |
| Posted: Thu Sep 3 5:22:30 2009 |
I know I probably won't.....too much hassle and .. |
| Posted: Thu Aug 27 7:16:37 2009 |
Ask yourself this.....if insure someone who is .. |
| Posted: Thu Aug 27 5:58:44 2009 |
The term rates are higher because her husband is .. |
| Posted: Wed Aug 19 8:42:53 2009 |
Somehow that doesn't surprise me....there's an .. |
| Posted: Mon Aug 17 1:56:54 2009 |
term4sale.com as mentioned above is a good site .. |
| Posted: Tue Aug 11 9:47:41 2009 |
and that is why AD&D policies are .. |
| Posted: Tue Aug 4 9:35:58 2009 |
InsuranceExpert is correct - what she should do .. |
| Posted: Tue Aug 4 6:16:55 2009 |
Term insurance policies don't have cash value. .. |
| Posted: Fri Jul 31 7:10:00 2009 |
I read it as being a dollar-for-dollar match on .. |
| Posted: Fri Jul 31 5:49:15 2009 |
I agree. Same thing happens with group health .. |
| Posted: Fri Jul 31 5:27:53 2009 |
And also further proof as to why people need an .. |
| Posted: Fri Jul 31 5:26:27 2009 |
I would highly recommend not taking the .. |
| Posted: Fri Jul 31 5:23:38 2009 |
A $200k single premium policy guaranteed to age .. |
| Posted: Thu Jul 30 7:52:02 2009 |
The example above would create a taxable .. |
| Posted: Thu Jul 30 4:16:18 2009 |
It's hard to say without knowing the background .. |
| Posted: Thu Jul 30 1:16:37 2009 |
A paramedical exam is the same as a physical .. |
| Posted: Thu Jul 30 9:55:39 2009 |
x2
Without knowing the full details, it .. |
| Posted: Thu Jul 30 5:06:11 2009 |
A few things to note:
1. Keep in mind .. |
| Posted: Thu Jul 30 4:53:12 2009 |
What company is this with Were the health .. |
| Posted: Sat Jul 25 6:06:44 2009 |
If you are putting away $150/month, you .. |
| Posted: Fri Jul 24 12:57:25 2009 |
I don't think any companies will write a .. |
| Posted: Thu Jul 23 11:23:24 2009 |
I posted this in the other thread, I'm sure one .. |
| Posted: Thu Jul 23 8:13:01 2009 |
Most companies that don't charge ridiculous rates .. |
| Posted: Thu Jul 23 8:07:24 2009 |
That's one of the problems with group life .. |
| Posted: Thu Jul 23 8:01:27 2009 |
How is your husband's health Height/weight Any .. |
| Posted: Wed Jul 22 3:47:49 2009 |
Life insurance for hiv patients - Do such policies exist? .. |
| Posted: Tue Jul 14 1:25:50 2009 |
x2
We get leads for incarcerated people .. |
| Posted: Fri Jul 10 7:13:28 2009 |
You are thinking wrong.....please don't give .. |
| Posted: Fri Jul 10 7:11:41 2009 |
That depends on your definition of .. |
| Posted: Fri Jul 10 5:16:29 2009 |
How much coverage are you looking for and how .. |
| Posted: Wed Jul 8 9:30:21 2009 |
To put that into perspective, a healthy .. |
| Posted: Sun Jul 5 7:55:41 2009 |
I can't tell you how many times we've heard .. |
| Posted: Sun Jul 5 6:34:12 2009 |
An agent from SelectQuote will probably tell .. |
| Posted: Sun Jul 5 12:10:12 2009 |
Until there is a clear diagnosis, it might be .. |
| Posted: Sat Jul 4 12:33:34 2009 |
The surrender value is .. |
| Posted: Mon Jun 29 11:48:01 2009 |
Life insurance for hiv patients - Do such policies exist? .. |
| Posted: Thu Jun 18 3:18:47 2009 |
Yes, and the application itself will .. |
| Posted: Thu Jun 18 3:17:55 2009 |
His policy may have been issued as part of a .. |
| Posted: Thu Jun 18 5:45:22 2009 |
A disability policy can pay benefits until .. |
| Posted: Wed Jun 17 4:14:34 2009 |
We have a client who had a $3 million retirement .. |
| Posted: Wed Jun 17 6:41:30 2009 |
I somewhat got the impression that the initial .. |
| Posted: Wed Jun 17 5:49:28 2009 |
Looks like $480k, unless that was the .. |
| Posted: Tue Jun 16 7:53:32 2009 |
How old are they and what is their relative .. |
| Posted: Tue Jun 16 6:49:14 2009 |
No, it's not possible, at least for any price .. |
| Posted: Mon Jun 15 7:47:05 2009 |
Are you looking for income protection insurance .. |
| Posted: Thu Jun 11 8:23:10 2009 |
I think he's looking for a little more than final .. |
| Posted: Wed Jun 10 11:34:22 2009 |
The odds are against a table 2, but it's been .. |
| Posted: Wed Jun 10 9:02:02 2009 |
No problem, hope we can .. |
| Posted: Wed Jun 10 8:51:38 2009 |
Based on the above information, he should be able .. |
| Posted: Wed Jun 10 7:10:45 2009 |
What do you consider "cost effective .. |
| Posted: Mon Jun 8 7:14:58 2009 |
No. The standard life expectancy for a .. |
| Posted: Mon Jun 8 7:12:12 2009 |
There are a few carriers that will insure an .. |
| Posted: Fri Jun 5 6:14:37 2009 |
The premiums you're referring to may be based on .. |
| Posted: Fri Jun 5 5:35:59 2009 |
Usually if you don't die between the .. |
| Posted: Fri Jun 5 4:48:14 2009 |
No life insurance company will issue underwritten .. |
| Posted: Thu Jun 4 12:03:34 2009 |
Oh, the .. |
| Posted: Thu Jun 4 8:06:40 2009 |
Ah yes....the ignorance of government employees. .. |
| Posted: Sat May 30 10:32:24 2009 |
Sure there's more, but this is essentially .. |
| Posted: Fri May 29 8:03:12 2009 |
Yes, but not as much cash value as the whole .. |
| Posted: Fri May 29 6:31:20 2009 |
You could get $50k no-lapse UL for about the same .. |
| Posted: Fri May 29 5:59:30 2009 |
I will have to disagree.....UL needs to be .. |
| Posted: Fri May 29 4:37:45 2009 |
It is very easy to solve for annual premium .. |
| Posted: Fri May 29 5:09:50 2009 |
Whole life also costs 2-3x more than than .. |
| Posted: Thu May 28 12:43:26 2009 |
bump .. |
| Posted: Tue May 19 8:36:37 2009 |
Life expectancy is an average, not a median. .. |
| Posted: Mon May 18 8:26:08 2009 |
I think Insurance Expert has done a pretty good .. |
| Posted: Sat May 16 4:02:43 2009 |
Don't forget that all of those deaths listed in .. |
| Posted: Fri May 15 7:16:53 2009 |
I believe something like less than 1% of all life .. |
| Posted: Wed May 13 8:56:25 2009 |
I need insurance for a 84 Year Old? .. |
| Posted: Tue Apr 28 5:58:50 2009 |
How can you be so sure that it did not go .. |
| Posted: Mon Apr 27 7:37:13 2009 |
Why get rid of him There was no UL policy .. |
| Posted: Mon Apr 27 5:30:35 2009 |
Spam much .. |
| Posted: Mon Apr 20 9:23:10 2009 |
No....you can decrease the coverage one .. |
| Posted: Mon Apr 20 8:41:46 2009 |
I don't know what would be considered .. |
| Posted: Mon Apr 20 7:22:05 2009 |
I am assuming with only the premiums paid and no .. |
| Posted: Mon Apr 20 6:40:57 2009 |
With some carriers, you can only decrease the .. |
| Posted: Mon Apr 20 6:39:35 2009 |
The age is relevant to the cash value because of .. |
| Posted: Sun Apr 19 8:45:14 2009 |
No, because the cash value on a policy for an .. |
| Posted: Sun Apr 19 3:24:16 2009 |
I'm ignoring the interest income lost because on .. |
| Posted: Sun Apr 19 10:37:34 2009 |
His income isn't "needed" to pay the .. |
| Posted: Sun Apr 19 8:00:23 2009 |
Very good insight, but there are a few things you .. |
| Posted: Sat Apr 18 10:05:16 2009 |
I think you're missing the point of the .. |
| Posted: Sat Apr 18 8:49:03 2009 |
Of course not....very few people at that age .. |
| Posted: Sat Apr 18 2:24:57 2009 |
That was me making the above post, guess I wasn't .. |
| Posted: Fri Apr 17 3:33:33 2009 |
We're writing up a case today for an .. |
| Posted: Fri Apr 17 5:20:36 2009 |
Generally, AFLAC is not competitive with the rest .. |
| Posted: Fri Apr 17 5:17:14 2009 |
Do you mean get more life insurance for .. |
| Posted: Thu Apr 16 12:25:25 2009 |
The odds of a healthy 30 year old male dying .. |
| Posted: Thu Apr 16 11:24:55 2009 |
If the client is looking for pure death .. |
| Posted: Thu Apr 16 11:04:53 2009 |
x2 .. |
| Posted: Thu Apr 16 11:02:05 2009 |
I understand exactly what you are saying, it's .. |
| Posted: Thu Apr 16 7:09:01 2009 |
It helps illustrate the point that they're not .. |
| Posted: Thu Apr 16 6:19:24 2009 |
And that is the gamble....it also sounds .. |
| Posted: Thu Apr 16 6:18:03 2009 |
I understand that, but it's easier for .. |
| Posted: Wed Apr 15 7:54:22 2009 |
No, it's not. Ask people how their VUL's .. |
| Posted: Tue Apr 14 7:40:41 2009 |
If he is truly in excellent shape and could .. |
| Posted: Tue Apr 14 7:36:31 2009 |
Life insurance is not an investment. I repeat, .. |
| Posted: Wed Apr 8 7:42:36 2009 |
Genworth, Transamerica, West Coast Life, .. |
| Posted: Wed Apr 8 7:31:46 2009 |
You're setting your policy up for failure .. |
| Posted: Wed Apr 8 7:27:19 2009 |
Did you not read the two posts directly above .. |
| Posted: Fri Apr 3 6:01:04 2009 |
Jesus....sounds like a nice .. |
| Posted: Fri Mar 27 9:15:07 2009 |
I've got a new concept - "Buy UL, invest the .. |
| Posted: Fri Mar 27 9:17:37 2009 |
I always thought Milestone was a broker, I guess .. |
| Posted: Fri Mar 27 6:23:49 2009 |
bump .. |
| Posted: Fri Mar 27 6:20:11 2009 |
From most of your posts here, it's quite .. |
| Posted: Fri Mar 27 6:15:28 2009 |
Someone who thinks they'll win that .. |
| Posted: Thu Mar 26 5:47:51 2009 |
Then perhaps you should go get your insurance .. |
| Posted: Wed Mar 25 10:35:59 2009 |
There aren't many 84-year-old people in good .. |
| Posted: Wed Mar 25 10:33:57 2009 |
Does your current brokerage facility offer .. |
| Posted: Wed Mar 25 10:31:16 2009 |
From who You'd have to be on your deathbed .. |
| Posted: Wed Mar 25 9:19:11 2009 |
You are wrong. Why would anyone give you the .. |
| Posted: Sat Mar 14 1:18:01 2009 |
What does this really accomplish All she .. |
| Posted: Sat Mar 14 5:36:54 2009 |
When someone sells their policy in a life .. |
| Posted: Thu Mar 12 8:33:37 2009 |
What state are you in Do you have a copy of the .. |
| Posted: Wed Mar 11 8:47:33 2009 |
Perhaps we should all work for free. Please .. |
| Posted: Wed Mar 11 5:10:17 2009 |
Perhaps you should take Gary's advise and get .. |
| Posted: Tue Mar 10 4:25:14 2009 |
Every carrier has different .. |
| Posted: Fri Mar 6 7:12:10 2009 |
I don't know where you're from, but in the US .. |
| Posted: Tue Mar 3 1:08:24 2009 |
Custom magazine reprints and a special retirement .. |
| Posted: Tue Mar 3 5:55:57 2009 |
A graded death benefit on a $5k policy for an .. |
| Posted: Fri Feb 27 12:11:25 2009 |
And there-in lies the .. |
| Posted: Fri Feb 27 10:25:02 2009 |
Normal height/weight profile, no more than .. |
| Posted: Fri Feb 27 10:20:03 2009 |
We always make it very clear. Insurance is .. |
| Posted: Fri Feb 27 10:18:25 2009 |
That depends on her health - OP stated that .. |
| Posted: Fri Feb 27 6:32:37 2009 |
I agree that many people look at it as a .. |
| Posted: Fri Feb 27 6:30:07 2009 |
Why give up hope so early As stated, she can .. |
| Posted: Wed Feb 25 7:53:08 2009 |
If she is in decent shape, she could get a $25k .. |
| Posted: Wed Feb 25 7:48:27 2009 |
You can set up a trust to distribute the .. |
| Posted: Tue Feb 24 2:51:22 2009 |
What part do you not agree with - that we've .. |
| Posted: Tue Feb 24 7:11:00 2009 |
The law currently allows only $13,000 per year to .. |
| Posted: Sat Feb 21 6:53:55 2009 |
I'll be here all night ladies and gentlemen. .. |
| Posted: Fri Feb 20 12:11:17 2009 |
I can imagine what it looked like if it got cut .. |
| Posted: Fri Feb 20 8:49:50 2009 |
**If this type of post is not allowed here, .. |
| Posted: Fri Feb 20 8:30:39 2009 |
Taking massive loans against a policy is bad .. |
| Posted: Tue Feb 10 1:16:56 2009 |
You wouldn't get the premium back either way. .. |
| Posted: Sun Feb 8 7:36:25 2009 |
In 1987, the universal life insurance policies on .. |
| Posted: Sun Feb 8 11:56:36 2009 |
Florida/CA/ny have some strange .. |
| Posted: Sat Feb 7 4:17:01 2009 |
The money you've paid towards it is already gone .. |
| Posted: Sat Jan 31 12:16:32 2009 |
Of course we'd need to know age/medical history, .. |
| Posted: Fri Jan 30 10:22:09 2009 |
With 4 kids, I would strongly reconsider thinking .. |
| Posted: Fri Jan 30 6:29:19 2009 |
Some states have guidelines stating that in the .. |
| Posted: Fri Jan 30 6:25:59 2009 |
Final expense is about the worst possible .. |
| Posted: Mon Jan 26 8:22:51 2009 |
What are your goals Do you want to just keep .. |
| Posted: Mon Jan 26 7:58:22 2009 |
Jackson National has a very good equity linked .. |
| Posted: Fri Jan 23 6:02:07 2009 |
People don't do it because they charge you .. |
| Posted: Thu Jan 22 8:30:38 2009 |
My advice would be to have your husband accept .. |
| Posted: Mon Jan 19 6:21:41 2009 |
horizon - No investment group is ever going to do .. |
| Posted: Sun Jan 18 6:09:30 2009 |
If it's really a concern, then don't buy military .. |
| Posted: Sat Jan 17 3:32:06 2009 |
Gary is .. |
| Posted: Sat Jan 17 3:30:13 2009 |
A lot of people use trusts to avoid the .. |
| Posted: Sat Jan 17 3:25:45 2009 |
Where are you .. |
| Posted: Sat Jan 17 3:23:35 2009 |
After 2 years from the policy date, the carrier .. |
| Posted: Fri Jan 16 2:36:43 2009 |
Irrevocable life insurance .. |
| Posted: Fri Jan 16 2:34:12 2009 |
If this fictitious 30 year old male bought a .. |
| Posted: Fri Jan 16 9:09:55 2009 |
I don't know what you are paying through your .. |
| Posted: Wed Jan 14 6:42:28 2009 |
Dependent on insulin can be tough, but you may be .. |
| Posted: Wed Jan 14 6:40:06 2009 |
Just curious - what is the reason for wanting the .. |
| Posted: Wed Jan 14 6:37:58 2009 |
Every carrier has different limits as to what .. |
| Posted: Mon Jan 12 8:36:09 2009 |
That is until you find out you have cancer, .. |
| Posted: Mon Jan 12 8:03:48 2009 |
These plans are the biggest crock of shxt I have .. |
| Posted: Sun Jan 11 5:53:53 2009 |
What would be the point of funding the full .. |
| Posted: Sun Jan 11 5:39:56 2009 |
Is this a group life policy If it is individual .. |
| Posted: Sun Jan 11 8:02:18 2009 |
SDC - People who sell policies are not .. |
| Posted: Sat Jan 10 2:56:17 2009 |
This is why they have .. |
| Posted: Sat Jan 10 2:54:13 2009 |
You would be better off getting her a universal .. |
| Posted: Sat Jan 10 2:49:09 2009 |
You can't "sell" a life settlement. .. |
