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Good stuff in this thread ... just saying
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ANICO, AIG, Sagicor - all good choices.
ANICO is typically best in price AND has living benefits and future cash out options.
Jeff, what is it about AIG that you like?
Usually top 3 in rates and the guaranteed cash out option. 50% in year 20 and 100% in year 25.
Not to mention that their chronic rider is superior to Anico's and they have another rider that lets you take the death benefit as an income (as the owner/insured, not as a beneficiary).That is huge deal IMO. It is similar to MoO. However, I find AIG underwriting easier to deal with.
They are A- and no, it doesn't bother me. Parent company has been around for 150 years or something like that...This is one of the best threads I have read in a long time.
Solid info and great answers from everyone.
I have a question about Sagicor.
Does their rating bother anyone?
Are they an A- now?
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