Ltc - Mass Mutual Vs Northwestern - And Why

[Allen Trent]

My insurance broker is recommending Northwestern because in the long run they will have better returns and your policy will be worth more and that they have a higher credit rating - I get that

Find a new agent.

1--if representing Northwestern ( a great company btw), he is not a a broker, he is a captive agent with NWM.

2- he cannot predict or guarantee there will be better returns. that cant be done even if a psychic or legally as no one in history has been able to predict in 60 years which top carrier will be better. Several great carriers just a few decades ago no longer sell life insurance

3--he is merely trying to give you doubt, so you go with his 1 offered solution. while that is not bad by itself, the predicting of the future & using ratings in this situation is ridiculous with 2 great carriers.

4- research some other options & take your time, you may find a better fit & the consequences & cost of finding out in 10 years you liked something better can be very costly. you may find the best plan is a combination of term life, some WL & some hybrid UL life/LTC, etc