Ohio National

[SouthernComfort]

I Have a 25 year old male who is going to put 500 monthly in a policy(Prestige Max?). I want to build the policy with 250 base and 250 optional paid up additions. Can anyone illustrate this for me? I called FASTeam and they acted like I was speaking swahili. Standard non smoker (a little heavy)

 

[Larry Tew]

You can't blend Prestige Max. If you're using the API rider level premiums payable to 65, only the Prestige Value II will allow a 50/50 blend. the Performance and Xcel will blend at around 60/40.

The FASTeam runs these all day. Not sure where the breakdown is.

 

[SouthernComfort]

You can't blend Prestige Max. If you're using the API rider level premiums payable to 65, only the Prestige Value II will allow a 50/50 blend. the Performance and Xcel will blend at around 60/40.

The FASTeam runs these all day. Not sure where the breakdown is.

Probably in the agent relaying the information. I should have just asked which would perform better... the Prestige Max or Xcel blended... Thanks Larry

 

[Iowa77]

I'm new here. Can someone tell me how to post a new thread? Thank you.

 

[Larry Tew]

Probably in the agent relaying the information. I should have just asked which would perform better... the Prestige Max or Xcel blended... Thanks Larry

I like Max... I use it more than the others. It's very good for showing income after age 65, but assuming equal premiums compared to the a max-funded Xcel, the Xcel will show a better accumulation.

I think you should run both as apples-to-apples as you can and then decide what to show.