Cheapest 30 yr non med level term age 29

[DonP]

True, however the cases I have with JNL, Met and GE are still inforce for the full face and CV, Last I checked they were still convertible. No Comp and usually a crappy conversion option though.

Those CO's sold other products not just term . I bet 80% plus of Phoenix was term

 

[Tahoe Ray]

He's 52 now . Even a $1 mil for 10 yrs is going to be at least $300 a month . He pays $90 a month

Correction, he pays $90 for maybe 1m, or maybe 300k that will be paid out in several years if he dies.

1m 10yr term for a 52 yo is probably around 100 bucks/mo preferred. 200 standard.

 

[Allen Trent]

He's 52 now . Even a $1 mil for 10 yrs is going to be at least $300 a month . He pays $90 a month

Yes, but this reminds me of lets say home insurance in wildfire area of California or hurricane in Florida. If what you have now or before was better and/or cheaper, it doesn't matter because it is no longer an option

 

[DonP]

Correction, he pays $90 for maybe 1m, or maybe 300k that will be paid out in several years if he dies.

1m 10yr term for a 52 yo is probably around 100 bucks/mo preferred. 200 standard.

I see that $1 mil 10 yrs great health very cheap

 

[Allen Trent]

Those CO's sold other products not just term . I bet 80% plus of Phoenix was term

I actually don't think that is true. I think the bulk of premium was stuff like VUL & even 2nd to Die VUL & a ton of Annuity

 

[DonP]

I actually don't think that is true. I think the bulk of premium was stuff like VUL & even 2nd to Die VUL

Ok . Everytime I heard agents talking about Phoenix yrs ago it was about term ins . But again who wants to take a bunch of older term policys not knowing the health of people with big fave amounts ?

 

[Allen Trent]

True, however the cases I have with JNL, Met and GE are still inforce for the full face and CV, Last I checked they were still convertible. No Comp and usually a crappy conversion option though.

Agree, good point.

I had heard some if the inforce servicing to clients & agents wasn't the greatest with some of those carriers like MetLife, etc

 

[Allen Trent]

Were those oral, or anal swabs?

Both.......reusable

 

[Tahoe Ray]

I see that $1 mil 10 yrs great health very cheap

Yeah. I just checked and preferred is 1247 (you're showing P+) and standard is 2112. Std+ is 1715.

I'd get a new policy if I were in his shoes (assuming decent health).

 

[Special Agent]

Yup, had to tell the client to Hawk Tua & spit on that thang

LOL i just saw that meme for the first time last night on FB- what a keeper that gal is!