Nate insurance
Expert
- 76
What is the cheapest term company in terms of premiums paid for age brackets 28-50 that will appoint direct?? I live in CA. Thanks
Cheapest Term Company
- Thread starter Nate insurance
- Start date
- 222
Cincinnati Life is pretty competitive
- 15,319
Ohio National generally has the lowest premiums.
Rick
Rick
I second that. Their conversion option is good as well (plus option)
- 24,928
Compulife.com
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I use AGLA (for the living benefits), Banner, Ohio National, Protective.
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I use AGLA (for the living benefits), Banner, Ohio National, Protective.
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Agent 4 Life
Expert
- 21
I second Protective for being affordable with quality products
- 634
Ohio National. Plus convert option is wonderful.
- 10,311
Cinci Life, Banner, Ohio National usually come in as the top 3 lowest for Super Preferred ratings.
ONs Plus is a good product, but is more expensive. So if you are looking for absolute cheapest that would not fit the bill.
But UW really is what makes or breaks which is the lowest cost policy.
And Cinci & ON have extremely tight UW. Most of your clients will not get Super Preferred with either company. But they are great companies for low risk clients.
No single company will always be the most affordable.
ONs Plus is a good product, but is more expensive. So if you are looking for absolute cheapest that would not fit the bill.
But UW really is what makes or breaks which is the lowest cost policy.
And Cinci & ON have extremely tight UW. Most of your clients will not get Super Preferred with either company. But they are great companies for low risk clients.
No single company will always be the most affordable.
Last edited:
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