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I'm looking for the Lowest Price Mortgage Protection Policy. One that has Disability riders or Critical Illness Riders. I'm teaming up a mortgage broker, that's why I ask.
That's a bit like asking us "What's the best color shirt?"
Would you like to describe the specific situation your client is in, so we can advise you on exactly which carrier, plan, term, and riders should be included for him/her? Oh, you mean the cheapest policy for EVERY client? Hmmm... let me know when you find that one.
That being said it's not that difficult of a question. If someone asked me what's the lowest cost term more often than not i would say Banner. Is that for every situation, no but on average it is.
Does anyone offer a level premium, decreasing ART term life policy? That would be perfect for mortgage protection.
Not to be a pain but your terms are all wrong. ART is annually renewing at the higher age of the client so no level premium. What you want is a decreasing term policy where the premium is level and the death benefit decreases. These are hard to find as they offer little to no savings for the consumer over a plain Jane level premium term. Last I knew National Western Life still had one.
I was just wondering if anyone wrote an old fashioned Decreasing Term or Mortgage Term policy.. Every company I have dealt with over the past few years only have level term or ART products.Not to be a pain but your terms are all wrong. ART is annually renewing at the higher age of the client so no level premium. What you want is a decreasing term policy where the premium is level and the death benefit decreases. These are hard to find as they offer little to no savings for the consumer over a plain Jane level premium term. Last I knew National Western Life still had one.
I was just wondering if anyone wrote an old fashioned Decreasing Term or Mortgage Term policy.. Every company I have dealt with over the past few years only have level term or ART products.