Are those non-med?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.
TermAccel (eTicket)
Preferred Plus NonTobacco
Age Nearest: 47
$50.26/mth
OPTerm
Preferred Plus Non-Tobacco
Age Nearest: 47
$51.12/mth
Your Term
Preferred Plus Non-Tobacco
Age Nearest: 47
$51.98/mth
Promise Term
Preferred Best No Nicotine Use
Age Nearest: 47
$52.71/mth
AG Select A Term
Preferred Plus Non-Tobacco
Age Nearest: 47
$53.64/mth
Best term life company?
- Thread starter Jack46
- Start date
They could be...a lot of traditional carriers have programs that allow for no exam if you're otherwise healthy.
None are simplified issue, though.
- 26,034
Fish makes a good point with his post. Those policies are all the same price.
Most good life insurance comparisons have pri
SBLI = 53.25 non med non f2f
See there is more to it than price.
Most good life insurance comparisons have pri
SBLI = 53.25 non med non f2f
See there is more to it than price.
- 26,034
Now, if I were competing with the agent that came in with the lowest price on $200. Which btw is $45 w/Principal I believe.
I would show a $200,000 comparison To show I can compete at the $200,000. However, I I would also so $250,000 because many companies band rate at $250,000. Banner @ $51.38
Then of course add wp
I would show a $200,000 comparison To show I can compete at the $200,000. However, I I would also so $250,000 because many companies band rate at $250,000. Banner @ $51.38
Then of course add wp
I would make sure to understand the conversion options on what you offer as well. Many of the cheapest carriers on the quote engines have limited or poor conversion options. 99% of the time when I explain that to a client, they choose a solid convertible product vs the cheapest they can get.
- 4,291
I'm late to the conversation here. I'm in Texas, too (Dallas area). I agree with everybody else that there's no best company. But if you only sell life occasionally, I'd recommend that you not get too involved with lots of carriers. Pick one or two for each type of life insurance. AIG is my go to for term on relatively healthy people. Easy app and process, competitive rates. I write them through Level 4 Insurance (on LBJ Freeway in Dallas), who have a great support staff that will give you as much or as little help as you need.
Home - Level Four Insurance Services
- 5,902
I'll pitch Federal Life once again. May not be the lowest on the block, but again they have great service thus far in my years with them. Front and back office.
The trap of lowest cost I believe is one reason why so many agents fail. Too many options confuse clients and overwhelm agents.
Think about toilet paper for a moment... it has one basic purpose... you don't buy just the cheapest... you'll pay more for softer, and be happy to do so.
We complicate the simple far too often... to justify ourselves or out if ignorance.
tippingpoint
Super Genius
- 109
Yes, I narrowed down the list a little for my needs.Thank you
- 30,434
My brother recently retired from the State Police. He has a $614K term policy. Because he just turned 55, his premium doubled to $221 a month. At age 60, it converts to a $5K paid up whole life. He was wanting to keep a large amount until both of his kids are in college., which would be age 63.
How much would a $600K 10 year term run (ballpark) for a 55 year old male who has had high cholesterol for 30 years and takes Crestor.
Thanks in advance.
How much would a $600K 10 year term run (ballpark) for a 55 year old male who has had high cholesterol for 30 years and takes Crestor.
Thanks in advance.
- 26,034
When you say high, is that without meds? Controlled by meds? Or still high with meds?
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