Buy Term And Invest The Difference

[dyadvisor]

People should buy term, as much as they can. In today's time, putting the extra in a fixed annuity may be a wise choice.

To all the cash value life believers go to Google news and enter in the words "universal life". When you are done reading the current problems, come back and give a true perspective.

 

[VolAgent]

People should buy term, as much as they can. In today's time, putting the extra in a fixed annuity may be a wise choice.

To all the cash value life believers go to Google news and enter in the words "universal life". When you are done reading the current problems, come back and give a true perspective.

So straight UL is the only type of cash value life insurance? And what makes a fixed annuity the best place for extra cash?

 

[xrac]

So straight UL is the only type of cash value life insurance? And what makes a fixed annuity the best place for extra cash?

He doesn't have a clue is my guess!

 

[Larry Tew]

People should buy term, as much as they can. In today's time, putting the extra in a fixed annuity may be a wise choice.

To all the cash value life believers go to Google news and enter in the words "universal life". When you are done reading the current problems, come back and give a true perspective.

Do you really believe what you posted or do you just think it sounds good? I would love to see your thought process.

 

[Mark]

No one buys term and invest the difference!

This is just a marketing scheme we were all taught years ago to tell clients...

 

[Mountaineer Fan]

Purchasing traditional fixed UL is "buying term and investing the difference". The "difference" is you're allowing the insurance company to take on the investment risk instead of you doing it yourself via a VUL.

 

[dyadvisor]

Larry, you have a lot to learn. Looking at your name in Google proves it. (such little info) You are simply following the crowd.

My 40 years experience, and wealth accumulated proves that I know what I am talking about.

If I did things your way, I would be in sad shape, like so many agents are. Out of 1,500,000 insurance records we maintain, less than 35% earn over $40,000. Quite a shame, but those are the ones that do exact what they are taught instead of using creative thinking.

Mark R. in another group post gave a very creative and effective way of getting leads.

It is people that can think for themselves that are the leaders. In life insurance, like any other, the majority are sheep.

 

[VolAgent]

Larry, you have a lot to learn. Looking at your name in Google proves it. (such little info) You are simply following the crowd.

You still didn't answer my questions.

 

[Larry Tew]

Larry, you have a lot to learn. Looking at your name in Google proves it. (such little info) You are simply following the crowd.

My 40 years experience, and wealth accumulated proves that I know what I am talking about.

If I did things your way, I would be in sad shape, like so many agents are. Out of 1,500,000 insurance records we maintain, less than 35% earn over $40,000. Quite a shame, but those are the ones that do exact what they are taught instead of using creative thinking.

Mark R. in another group post gave a very creative and effective way of getting leads.

It is people that can think for themselves that are the leaders. In life insurance, like any other, the majority are sheep.

I'll put my 31 against your 40 any time. Besides, there's a big difference between 40 years experience and one year of experience 40 times.

Unless you are going to do business with me, I can't be bothered with what you found on Google. At least I made it easy for you by not hiding behind a fake screen name. Using my real name also helps to keep me in line when I go all stupid and want to flame and insult someone. You obviously don't have that problem.

"Following the crowd"? If BTID isn't following the crowd, what is? I'm the last person on this board who follows a crowd. I loathe conventional wisdom. Conventional wisdom had Columbus sailing off the edge of the earth.

By the way, you never answered my request for your thought process. Maybe we all could learn something from a wise old sage. If you see one, send him our way.

 

[LGilmore]

"People should buy term, as much as they can. In today's time, putting the extra in a fixed annuity may be a wise choice"

What other tools do you have in your tool box? You seem to be very limited in your 40 years experience to make a statement like that.