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I need some of these customers.... I know they exist, but they don't come out of the woodwork.
Dan
/smile
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I need some of these customers.... I know they exist, but they don't come out of the woodwork.
Dan
I need some of these customers.... I know they exist, but they don't come out of the woodwork.
Dan
Dave,
Please share where I can get a $1 million DB for $4,000 on a man in his "early 80's" - I'm going to rent a UHaul and back that truck UP!!!!!
I got several of them when I was with NML - it really helps to have a big hitter company to bring to the table - you can find them (of course I was working in Silicon Valley) but they are going to want that big name recognition before they will seriously consider meeting with you. NML, MM, Pru, NYL are the big hitters in that arena.
Largest I ever wrote was $100k per year premium for a business doing exit strategy and buy/sell funding. It was a really nice case.
"I don't see a "Policy Label""
I don't know. It is not my policy. It is not on the statement my friend gave me.what is the policy called?
Um... you don't get it. This is the second time you've been on my ass about somehow giving advice. This policy owner is not a client of mine. Read the very first post of this thread. She gave me the quarterly report and I told her it is not only outside my license, it is outside my area of expertise.Polices are given product names. Knowing the name can help you find the details (policy provisions) that tell you contractually how the policy is set up. It would be VERY bad for you to offer any advice without knowing what policy you were kicking in the backside... especially if you are considering replacement.... I would ask to see the actual policy itself and go for a bit of a read... then I would call ML customer service and simply ask them how best to solve the problem she has...
You're still riding my ass here. What? Are you the Advice Police? See paragraph above.Here's why.. none of us here know exactly how this contract is set up and advantages/disadvantages it has..for you to give any kind of advice puts you at risk, cause you don't really know, you have a quarterly statement, that's not enough information to advise anybody. Find out more about the product..google it.
I don't know any of those answers. If I did I would not be asking here.Am I correct in seeing all the funds are in a mmarket account? why?
why is the share price 37.519 for a mmarket account? I don't know of any mm accounts that trade for anything other than a dollar.
Again, you don't get it. I started this thread to LEARN... not to somehow garner enough free advice... enough to be dangerous... so that maybe I could make a client of this person. You got it 100% wrong.Lucy, got some xplainin to do.....
I'm just curious about how the VUL policies work. I have a simple business selling health care, workplace supps, a little bit of term life and/or a fixed annuity... when I see the need. I really don't have the interest at my age and stage of life to do the heavy lifting necessary to be a full-fledged financial adviser to HNW people. I leave that to younger guys and gals who have more brain cells than I have left. My own adviser is a 26 year old at Edward Jones who lives, eats, and breathes stocks, funds, bonds, and how to integrate them to provide me with a retirement income and avoid the tax man.
So please, stop insinuating that I'm giving bad advice.... because I'm not giving ANY advice to anyone about any of this. Got it?
Sheesh!
Al
"Is CV a marketing gimmick in VUL? "
It is a question, not a statement. Learn the difference.gee, I didn't know this was a cry for help......
I'm actually neutral about the VUL product... mainly because I don't know enough about them to be otherwise. Perhaps these products are your favorites and you have some ax to grind against those whom you think are 'against' them? Well fine. But you have the wrong guy because I'm ignorant about them and know only what Dave F. has posted and what I vaguely remember from insurance school.That's two posts where you are putting down a product you say you know nothing about... yet you know "enough" to bad mouth em.
What is it that you don't get when I tell you again that I'm advising no one... here, there, or anywhere on VULs. You have this mistaken idea that the person who contacted me is getting advice from me. Yet I've told you time and time again I sent her to someone else.My point to you as you have a license is be careful what you say to a client as they may act on that advice.
Licensing aside, do you honestly think I have enough information to act in an advisory capacity? Obviously not. So you just think I'm stupid. Well there we might agree... because trying to reason with you in this thread might constitute evidence of stupidity!
I beginning to wonder (maybe fear) what it is that you CAN imagine.I can't imagine you are neutral about these products
Saying "I don't understand" might be intrinsically negative, but not when you put it in context of this thread and this product.then post here in such a negative way..
You can't teach when you don't understand what is being asked.you can't learn with a closed mind..
What seems to be and what is, are to entirely different entities in this case. You don't recognize that.That's why I asked about the fishing...it sure seems you are.
But somehow it sounds like I'm giving advice?cause it doesn't sound like asking for help.
Life lesson for you. Believe half of what you see and none of what you hear.
Al
Sorry, Dave, but it wasn't clear from your post you were not giving al a comparison.
What kind of assumptions on the VUL, even after 30 years, the cost of insurance would be tremendous for a man in his 80s