IMO Suggestions???

[Redbeard22]

Let me look for it and I will post

 

[WinoBlues]

A

Let me look for it and I will post

N illustration would be helpful.

 

[Redbeard22]

yes looking for it now

 

[Redbeard22]

Its in the GUL im trying to find it

 

[Tahoe Ray]

it has return of premium at the end of the term, or if you keep the policy, dont get sick, dont file a claim for living benefits, at age 85 you get 100% of face value of your policy

It doesn't endow at 85. (I know that you didn't say that but another poster asked)

It is a cool benefit but you need to run the GUL to be paid up at 85.

Then you can access up to 10% of the DB per year for 10 years.

You can technically do it before then but it has a pro rata effect on the DB.

They have a 10/10/10 sales idea (which you could probably google) where a 50yo pf male 10 pays a 1m GUL, waits 10 years, then takes all of the premiums back over the next 10 years and is left with a paid up 432k DB

They also have a $4$ chronic illness benefit that does not require condition to be permanent.

Good product.

 

[Tahoe Ray]

I see nothing referencing your age 85 statement in the agent guide, Redbeard. What am I missing?

https://estationsecure.americangene...uarantee_Plus_GUL_II_Producer_Guide_FINAL.pdf

It is on the AIG GUL III...

 

[Fisher]

Ok, so Redbeard just named the wrong product, Ray? Thanks for the clarification.

 

[Tahoe Ray]

Ok, so Redbeard just named the wrong product, Ray? Thanks for the clarification.

It may be on the QOL line, I'm not appointed there. But I'm pretty sure what he's referencing and it is definitely on the GUL III (*state variations may apply)

 

[Redbeard22]

Yeah sorry, im so lost in the site right now, I am in the QOL, But will have the answer tomorrow. Thanks for the help Ray

 

[Tahoe Ray]

Yeah sorry, im so lost in the site right now, I am in the QOL, But will have the answer tomorrow. Thanks for the help Ray

No worries.