30 Yr Level Term w/ Return of Premium

Feb 26, 2008

  1. thomasde
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    thomasde Expert

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    Anyone know which companies offer 30 year term w/ return of premium?

    Thanks!
     
    thomasde, Feb 26, 2008
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  2. James
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    James Guru

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    Just off the top of my head I think a better question is what company doesn't?
     
    James, Feb 26, 2008
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  3. thomasde
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    thomasde Expert

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    Thanks James... now I know. The guy that taught my fundamentals class made it sound unusal.
     
    thomasde, Feb 26, 2008
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  4. James
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    James Guru

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    Maybe some years ago.
     
    James, Feb 26, 2008
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  5. gradyinsurance
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    gradyinsurance Super Genius

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    Most everyone who offers term, offers ROP now.(The only guys who come to mind that don't are Columbian Life.)

    Dave
     
  6. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    ROP - yet another "sucker bet" from the life insurance companies...

    How many people do you suppose keep the term insurance in-force long enough to make the extra they pay for the benefit worthwhile?

    James - I'm sure you'll have a take on this!
     
  7. James
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    James Guru

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    Not really, agree on this one, for the most part ROP is use on suckers.

    Ps, not saying I wouldn't sell one demands it! Yet, I can not really remember someone demanding this product?
     
    James, Feb 26, 2008
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  8. STIBROKER
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    STIBROKER Like My post and enter the DRAWING,,,, Moderator

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    oh like they are demanding UL,VUL, and WL......
     
  9. James
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    You know I have to replace my doors every so often as people are beating them down for WL!:D

    Can not speak for the UL and VUL crowd.
     
    James, Feb 26, 2008
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  10. Winter_123
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    I dont think West Coast does, unless it is ultra-recent.

    Winter
     
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