I disagree . With a 30 yr term policy I 100% know if I die in that 30 yrs not family will get the money .I'm at peace of mind knowing what I signed up for will happen . It's in the contract that's legally binding regardless if the company goes under . With legacy if they go under it's when I'll be alive that the nightmare happens were I'm 10-15 yrs older. So all of a sudden the regular insurance I had is no longer enough and I'm screwed . Again I've never run into a Lincoln heritage policy or SL policy were they even remembered the legacy . If they did then I'll rip the legacy to shreds. The only competition in insurance is yourself .I don't care what other CO's are out there.
Legacy from Senior Life. An alternative idea
- Thread starter PhxSunsFan
- Start date
I disagree . With a 30 yr term policy I 100% know if I die in that 30 yrs not family will get the money .I'm at peace of mind knowing what I signed up for will happen . It's in the contract that's legally binding regardless if the company goes under . With legacy if they go under it's when I'll be alive that the nightmare happens were I'm 10-15 yrs older. So all of a sudden the regular insurance I had is no longer enough and I'm screwed . Again I've never run into a Lincoln heritage policy or SL policy were they even remembered the legacy . If they did then I'll rip the legacy to shreds. The only competition in insurance is yourself .I don't care what other CO's are out there.
- 4,843
If you say so. PS: Lincoln Heritage doesn't have Legacy-Assurance. Just thought you'd like to know...lol.
You know what they call people who always seem to worry that the worse will happen?
Some people would say "losers" while the politically correct would say "unsuccessful". I'm not saying you are either one, but your comments made me think about that.
Have a good day!
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Well, you can't just go and make up some sort of "saying". Worrying like that is called "Catastrophizing". While everybody does this at some point in their life, the worst is with those that have anxiety.
Many people with anxiety are very successful. So, if you have actually heard someone say this before, they are grossly misinformed.
True.. with some the "worry that the worst will happen" is a driving force as they try to keep it from happening.
- 17,069
Yes FexQuotes is completely wrong on smoker rates for Senior Life. SL doesn't charge a separate smoker rate from non smokers. They just give them "Standard" not preferred or anything lower than Standard.
I've contacted Adam several times over this but so far no fix. That's unusual for him. I hope he's doing OK.
I know it does for me. I am guilty!
- 6,026
not a guarantee to use it - but, a guarantee that the company will be around to honor that usage.
- 4,843
What? Doesn't "a guarantee to use it" mean the same thing as "the company will be around to honor that usage."?
Don't forget, there are plenty of other savings with Legacy while still alive:
_free annual hearing exam
_discounts on hearing aids
_discounts on diabetic socks
_discounts on diabetic shoes
_telemedicine
_they will negotiate the price of the funeral for any and all of your other 4 family members that are included for free in your membership
_they will save $4000-$5000 on funeral merchandise for any and all of your other 4 family members that are included for free in your membership
Active agents with Sr Life get a free membership for them self and up to 4 family members when they join us.
If anyone has an interest please call me.
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- 4,843
Sorry Todd. If you are on anxiety meds I meant no harm.
- 6,026
It means there is no guarantee that Legacy will be around 5, 10, 20 years from now . . .
The company isn't regulated by any government entity, unlike Insurance.
I like the idea of Legacy - just couldn't market it since they could disappear without notice.
