That is nice to know as well. Do they offer 20pay or 10 pay? ROP riders? grandchildren riders?
New Royal Neighbors Rates
- Thread starter SouthernComfort
- Start date
That is nice to know as well. Do they offer 20pay or 10 pay? ROP riders? grandchildren riders?
http://www.unitedhomelife.com/UnitedHomeLife/QuickQuote.jsp
This is great to have on your cell phone to do quotes with.
This is great to have on your cell phone to do quotes with.
- 1,930
That is very nice to know
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It won't let you do 0-17 Provider quotes.
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- 2,758
No limited pay plans except for the (tabled) term plans. I've attached a product portfolio for you.
The only company that I've seen that allows you to add on grandkids is Monu.
- 3,165
Well to ME, thats not better then RNA then....I would never put a child that young into a "pay the rest of your life plan". So while the rates may beat RNA, the plan SUCKS, therefore its a mute point (for me at least)!
- 2,758
I wouldn't either unless the client needs the cheapest possible premium. I always give all possible rates from each company they qualify for and let the client choose what he/she want's. If any agent chooses to sell a whole life plan on a young child then I was simply pointing out the cheaper rates with UHL. As far as their whole life plans go, both RNA (E.L.) and UHL mature at age 121.
In a perfect world all parents would buy 10 year pays for all their kids.
I am a big believer in 20 pay or pay to 65 dividend paying products for any 0-17age child. I would never put a non-par WL plan like Provider on a child. I would do an IUL before that.
Dividends with PUA is going to look sweet as time goes on.
Dividends with PUA is going to look sweet as time goes on.
- 2,758
Yea....I wish I had a good par plan. :(
I wouldn't either unless the client needs the cheapest possible premium. I always give all possible rates from each company they qualify for and let the client choose what he/she want's. If any agent chooses to sell a whole life plan on a young child then I was simply pointing out the cheaper rates with UHL. As far as their whole life plans go, both RNA (E.L.) and UHL mature at age 121.
In a perfect world all parents would buy 10 year pays for all their kids.
This is why I asked. Generally speaking, the 20pay or 10 pay whole life is a much better choice for the young folks. I also like to do to grandchild riders since it helps solidify a reason to have and keep the coverage since its pennies on the dollar added coverage.
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Yes, I use Monumental a lot when adding grandchildren. Settlers has a nice plan as well.
Thanks for the info.
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DANG....Got them on Speed Dial...LOL
