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They're just estimates, not offers.
I'll see if I can find one again.
I'll see if I can find one again.
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How does a calculator like that even work?
The handful of these that I've done all involve underwriting and conversion quotes before any offer is presented.
They're bid on by different entities too.
Funniest part is if you want to get a good bill of health, just try to get a settlement. It's like reverse underwriting. Buying a policy, they tell you all of the reasons that you're going to die before you should and make you pay more. With settlements (again, just my limited experience) they tell you all of the reasons you're going to live a lot longer than what the doctor says and offer you less lol.
Depends on the carriers conversion privilege. Some allow a partial conversion & then client decides if they want to retain or cancel the balance of the term.Also - on the Term - could he convert some of it and keep some as Term?
Trent - are you licenced in Georgia?Depends on the carriers conversion privilege. Some allow a partial conversion & then client decides if they want to retain or cancel the balance of the term.
another carrier also allows a client to convert a portion to WL & then bring more coverage over via term riders of 10/20/30 years. This is more beneficial to clients whose conversion privilege is expiring & cant afford all Whole life & will lose the existing term that is jumping in price, so bringing it along to the WL as a term rider can allow them to extend their term coverage at a new age, but at a new level period without proving insurability> IE: $500k 10 year term hitting 11th year could convert to $100k WL & $400k term rider for 10/20/30 year duration.