- 11,280
John Hancock has nice UL-G and SUL-G. THe ULG has a LTC rider on it. Not a good product for cash value but it is an excellent alternative to LTC.
Leap, Ibc, Cow
- Thread starter David C
- Start date
- 2,152
I might be wrong but didn't Life of the SW and Ind. Life merge?
I believe Indy Life was acquired by Aviva but they haven't completed the rebranding.
The website for Life Of the Southwest says it is a member of the National Life Group, whatever that is: https://www.nationallife.com/public/NLG/public_home.asp
The website for Life Of the Southwest says it is a member of the National Life Group, whatever that is: https://www.nationallife.com/public/NLG/public_home.asp
- 2,152
Obviously I have change my ideas of IBC, from what I have seen this is a great program and one that I am now involved with.
How I settle on this is simple, to make this work it takes significant amount of upfront cash. Of course not all their money like some suggest but, a significant amount. That alone would suggest to me that they are serious about a life change, as in a "Total Financial Makeover".
Now I know some that would say they can make more money in other products, I'm sure in theory they can. Yet, we are at this point talking about a specific individual, if they are I seriously doubt they would jump into such a strategy. If they are not, they may very well be interested. Plus you have other avenues of why someone may or may not buy into IBC.
Service to me is not a big issue, days gone by I use to provide service to "Hospice Patients", so this is a breeze. The bigger issue is continuation, what if something happens to me? I wouldn't suggest going heavily into this with out a group or other agents willing to step in on your behalf, as in some form of partnership/agency arrangement.
How I settle on this is simple, to make this work it takes significant amount of upfront cash. Of course not all their money like some suggest but, a significant amount. That alone would suggest to me that they are serious about a life change, as in a "Total Financial Makeover".
Now I know some that would say they can make more money in other products, I'm sure in theory they can. Yet, we are at this point talking about a specific individual, if they are I seriously doubt they would jump into such a strategy. If they are not, they may very well be interested. Plus you have other avenues of why someone may or may not buy into IBC.
Service to me is not a big issue, days gone by I use to provide service to "Hospice Patients", so this is a breeze. The bigger issue is continuation, what if something happens to me? I wouldn't suggest going heavily into this with out a group or other agents willing to step in on your behalf, as in some form of partnership/agency arrangement.
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