65F, Insulin Diabetic, 25K, $100 Mo., Anything Less Out There???

[CALTCAgent]

I'm curious about something slightly off point. Why do you always post in bold?

I like bold.

I think it makes it easier to read the post. The contrast Breaks things up.

I just learned the quote thing, hope I don't have to make another change.

I won't do it if people feel its not the way to go though, lol.

 

[lmt125]

PM probably has whole life. In fact I think I ran across one of their whole plans early this year. The guy had it about 10 years and I could still get with a couple of bucks of the premium. It's was overpriced. I run into their term quite often. Seems it has a 7 yr price guarantee but it ends at age 80 just like AARP. No way they sold a 63 year old a $15000 face whole life for $58/mo.

Can you explain about AARP? Is that somewhere on their website or something to show people who say they have AARP or thinking about it.

 

[WinoBlues]

Can you explain about AARP? Is that somewhere on their website or something to show people who say they have AARP or thinking about it.

My suggestion, request a quote be mailed to you. I have a couple with my name on them at a couple different ages.

I do not really need to use them much, much but I have them if I need them. They will send you one every few months till you die.

Lee

 

[CALTCAgent]

Does the 7 year price guarantee mean it can go up in price after 7 years from date of acceptance?

When does it end, at age 80?

 

[jdeasy]

Does the 7 year price guarantee mean it can go up in price after 7 years from date of acceptance?

When does it end, at age 80?

The 7 year price guarantee means it does go up for thje 8th year and every year after that until age 80 and a day when it cancels.
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Can you explain about AARP? Is that somewhere on their website or something to show people who say they have AARP or thinking about it.

I'm sure the ending at age is on their website just as the premiums are not guaranteed on their "permanent" plan is on the website.

I do know the ending at age 80 is on all their advertisements. I carry one with me along with their price sheets to show how the premium goes up every 5 years in 5 year bands.

I believe Newby has a training section on handling the AARP stuff at his website.

 

[CALTCAgent]

The 7 year price guarantee means it does go up for thje 8th year and every year after that until age 80 and a day when it cancels.

One more thing on the PM or AARP regarding the term.

Is it a term to 80, or is it a term for a certain amount of years?

I am just used to hearing a term for a certain amount of years.

Thanks!

 

[jdeasy]

One more thing on the PM or AARP regarding the term.

Is it a term to 80, or is it a term for a certain amount of years?

I am just used to hearing a term for a certain amount of years.

Thanks!

They are both term to age 80.

 

[shooter]

I know you hate them, but their rates under 65 are quite good at the premier level. Not everyone likes RNA as much as you do.

That said, they are not my go to, I use them for low rate FE 25-65.

I am in Alabama, and RNA doesn't does business here.
At least they didn't and still don't as far as I know.

Neither does Americo, or Oxford.
I always see negative post on UHL.
Is it their service, pricing, underwriting,
are maybe their just a## to deal with.
Curious in Bama.

Shooter

 

[WinoBlues]

I am in Alabama, and RNA doesn't does business here.
At least they didn't and still don't as far as I know.

Neither does Americo, or Oxford.
I always see negative post on UHL.
Is it their service, pricing, underwriting,
are maybe their just a## to deal with.
Curious in Bama.

Shooter

I do not find them hard to deal with. Different, but not Forester's hard. I have used their non med term and ROP on younger people that don't not fit a Std life policy.

 

[jdeasy]

I do not find them hard to deal with. Different, but not Forester's hard. I have used their non med term and ROP on younger people that don't not fit a Std life policy.

That's good line right there, "not Foresters hard". I'm gonna use that.