New York - WL carriers that offer the highest guaranteed CV + DB

SParker

Super Genius
105
Hi All, can someone recommend a carrier that offers the highest guaranteed CV and guaranteed DB by year 20 for a $20K, 20 pay WL policy that maximizes cash value for a NY resident?

Everybody says Mass Mutual is the best but their guaranteed CV and DB really pales compared to Penn. I don't have the exact numbers in front of me me but if I recally correctly, I am talking about almost $50K - $70K less in guaranteed CV and DB when compared to Penn.

Penn's guaranteed CV and DB, on the other hand, is about $70K lower than Ameritas.

So far Ameritas offers the highest guaranteed CV and DB. One drawback with Ameritas is that it seems to be a lesser known company with low Comdex score of only 81.

I wonder if there are other carriers for NY resident that offer even higher guaranteed CV and DB than Ameritas.

Am new to this, slowly educating myself on participating WL products, would appreciate any feedback..

Many Thanks!
 

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