Best term life company?

Apr 19, 2019

  1. Jack46
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    Jack46 New Member

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    Would love some advice. I have a 47 year old man looking for $150,000 to $200,000 30 year term policy? What is the best company with the best premium? Thank you!
     
    Jack46, Apr 19, 2019
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  2. Rob Lion
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    Rob Lion Guru

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    There is no end all be all company for any life insurance product, How is his health? Does he take any medications? whats his build? Has he ever had a stroke,heart attack, any cancer, and conditions at all?
     
    Rob Lion, Apr 19, 2019
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  3. Jack46
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    Jack46 New Member

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    I think he is healthy. Please recommend a few companies you like. Thanks for the response Rob!
     
    Jack46, Apr 19, 2019
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  4. Rob Lion
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    Term takes anywhere from 28 days to 2 months unless your doing simplified issue, like i said you have to know those things or you're going to be wasting your and his time.
     
    Rob Lion, Apr 19, 2019
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  5. DHK
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    DHK "YOU CAN'T HANDLE THE TRUTH!"

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    No such thing as "best".
     
    DHK, Apr 19, 2019
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  6. WinoBlues
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    WinoBlues Guru

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    What is the best hammer?

    To broad of a question.

    Best for smokers or tookers?
    Best conversion options?
    Best comp?
    Best in your state?
    Best for a newbie to write?
    Best price?
    Best included riders.
    Best optional riders?
    Best no exam company?
    Best face to face company?
    Best phone company?
    Best A+ company?
    Best options in year 31?

    Do you have an upline? Do they offer the best? How long have you been selling insurance?

    I am sure I sound like an ass. However, my best is derived from my experience and biases.

    Give us an idea what He wants.
     
  7. Jack46
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    Jack46 New Member

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    Thanks for the help! I guess there is no best. What company would you use?
     
    Jack46, Apr 19, 2019
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  8. BADTROUT
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    BADTROUT Guru

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    Here is the top 5 on the list... A good broker will have a comparative tool for you to use where you just run the rate and let the carriers pick themselves. Over time you develop your favorites... If you need a good broker hit me up and I'll get you in touch with my people.


    [​IMG]
    TermAccel (eTicket)
    Preferred Plus NonTobacco
    Age Nearest: 47
    $50.26/mth

    [​IMG]
    OPTerm
    Preferred Plus Non-Tobacco
    Age Nearest: 47
    $51.12/mth

    [​IMG]
    Your Term
    Preferred Plus Non-Tobacco
    Age Nearest: 47
    $51.98/mth


    [​IMG]
    Promise Term
    Preferred Best No Nicotine Use
    Age Nearest: 47
    $52.71/mth

    [​IMG]
    AG Select A Term
    Preferred Plus Non-Tobacco
    Age Nearest: 47
    $53.64/mth
     
    BADTROUT, Apr 19, 2019
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  9. DHK
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    DHK "YOU CAN'T HANDLE THE TRUTH!"

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    DHK, Apr 19, 2019
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  10. Rob Lion
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    Rob Lion Guru

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    These are preferred plus at least show him standard lol. Damn near nobody qualifies for preferred plus/best.
     
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