Agent Churning, or Stupid Client...what Would You Do?

[PaperHanger]

I saw a 5 pay Am Memorial the other day, almost 4 years in, looked like premiums were less than the face amt, GDB first 2 years, never less than what was paid in...

Didn't touch it...

 

[Newby]

I saw a 5 pay Am Memorial the other day, almost 4 years in, looked like premiums were less than the face amt, GDB first 2 years, never less than what was paid in... Didn't touch it...

Most likely what you saw was their pre-need annuity. It's dollar for dollar coverage. Not insurance.