Nuts and Bolts of F.E.

[Justin Bilyj]

I think Greg and JD need to go to the Thunder Dome!!

 

[rousemark]

when every product is standardized, the price is the measure of value...hence the terms inferior and superior

But FE products are not standardized. Companies use their own interest, cost mortality, etc. assumptions. This resluts in not only a difference in premium but a difference in non forfeiture vales. When you factor in things such as company stability, policyholder service, claims payment history.etc. you can't make an assumption that a product is inferior or superior based on price alone. Considering what has been posted on the forum lately about BL, there is no way I would consider them to have a superior product even if they had the lower premium.

 

[tins]

But FE products are not standardized. Companies use their own interest, cost mortality, etc. assumptions. This resluts in not only a difference in premium but a difference in non forfeiture vales. When you factor in things such as company stability, policyholder service, claims payment history.etc. you can't make an assumption that a product is inferior or superior based on price alone. Considering what has been posted on the forum lately about BL, there is no way I would consider them to have a superior product even if they had the lower premium.

That's silly. We're talking about FE. If company A offers a 10K policy for $35/month and company B offers a 10K policy for $55/month. As long as the companies are nearly equal in either direction as far as stability, company A is superior.

 

[jdeasy]

I think Greg and JD need to go to the Thunder Dome!!

Not so fast there. I came to the forums in the beginning as I was researching an insurance problem. I stayed here because of the wealth of knowledge. I contribute here as a means of paying back a little of that knowledge gained here if it's possible for me to do so.

Grag came to this forum to recruit. he stays at this forum to recruit. he contributes nothing to this forum.

If I have said or done anything that would cause anyone to put me in the same category as Greg then I apologize.

 

[Rearden]

You know, the "irony" of you not recruiting is that you've probably sent a lot more agents to Equita as opposed to going to the competition.

I know I chose Equita originally because of your unbiased (ie, non-recruiting) experience with them.

They should give you a cut, like a referral fee.


-Dave

Not so fast there. I came to the forums in the beginning as I was researching an insurance problem. I stayed here because of the wealth of knowledge. I contribute here as a means of paying back a little of that knowledge gained here if it's possible for me to do so.

Grag came to this forum to recruit. he stays at this forum to recruit. he contributes nothing to this forum.

If I have said or done anything that would cause anyone to put me in the same category as Greg then I apologize.

 

[rousemark]

That's silly. We're talking about FE. If company A offers a 10K policy for $35/month and company B offers a 10K policy for $55/month. As long as the companies are nearly equal in either direction as far as stability, company A is superior.

I'll let you have the Banker's Life at $35 and I'll take the Settlers at $55!

 

[GoCubsGo]

Not so fast there. I came to the forums in the beginning as I was researching an insurance problem. I stayed here because of the wealth of knowledge. I contribute here as a means of paying back a little of that knowledge gained here if it's possible for me to do so.

Grag came to this forum to recruit. he stays at this forum to recruit. he contributes nothing to this forum.

If I have said or done anything that would cause anyone to put me in the same category as Greg then I apologize.

You and Greg are on opposite ends of the spectrum

You have tons of integrity, you offer honest advice and a wealth of knowledge with nothing asked in return. No agenda. No counting the number of people you have helped on this forum.

Greg is a leach with no conscience and no integrity and nothing of value to share.
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I'll let you have the Banker's Life at $35 and I'll take the Settlers at $55!

A Bankers Life 10k would be $35 while Settlers would be $55?
What age and sex?

 

[rousemark]

You and Greg are on opposite ends of the spectrum

You have tons of integrity, you offer honest advice and a wealth of knowledge with nothing asked in return. No agenda. No counting the number of people you have helped on this forum.

Greg is a leach with no conscience and no integrity and nothing of value to share.
- - - - - - - - - - - - - - - - - -


A Bankers Life 10k would be $35 while Settlers would be $55?
What age and sex?

I think that was a 'supposition" or was that "suppository".. Anyway, a "hypothetical"..

 

[GoCubsGo]

I think that was a 'supposition" or was that "suppository".. Anyway, a "hypothetical"..

LOL, You near Hendersonville? Daughter has a fastpitch tournament there this summer. Looking for good places to eat. Maybe extra leads I could work while I'm down there. ha

 

[sellingdog]

Here's another article I found on helping Veterans with their Final Expenses, its from producersweb.com
ProducersWeb - Final expense planning for veterans

Thanks, more "amo" in my portfolio! I appreciate it, my Father was a WW2 vet, and I genunily want to help all vets understand and make a good decision. FYI I finished wathcing "The Pacific" last night, truly the greatest generation.

SD