Quote for 59 Female, Smoker...

[MIBizInsurance]

Could some one take a moment and post a few quotes with company name for a -

59 Female
Smoker
UW class - Standard Nic
MI
$50-75K

WL I would think.

Thank you as not a "Life" expert and looking for some input for friends Mother.

 

[BNTRS]

You can't "shop" quotes on a WL policy or any VUL, current assumption UL, IUL.

Way too many moving parts. If if you want to look into GUL rates to guarantee a db then spreadsheeting could be done, but that's a different product that you have not asked for.

 

[jdeasy]

Could some one take a moment and post a few quotes with company name for a -

59 Female
Smoker
UW class - Standard Nic
MI
$50-75K

WL I would think.

Thank you as not a "Life" expert and looking for some input for friends Mother.

Best whole life plan available for her would be RNA.

$50,000-$138/mo.
$75,000-$204/mo.

 

[GreenSky]

A No Lapse UL to age 121 would be somewhere around $130-150 a month for $50K. Does she want to spend that much?

 

[VolAgent]

Best whole life plan available for her would be RNA.

$50,000-$138/mo.
$75,000-$204/mo.

Considering BNTRS post directly above yours...

What makes this best? Why not a Mass policy, or a NYL policy, NWM, Cinci, John Hancock, MetLife, etc. Why is RNA best?

Also, did you run this by the DOI, I wonder what they would say about you calling it best.

 

[BNTRS]

West Coast Life GUL to age 120 is $116/mo (lowest I found for 59 Female Nicotine).

At 75k Genworth is $172/mo for no lapse to 105

And West Coast Life is $174/mo for no lapse to 120

 

[MIBizInsurance]

Yes, was able to quote a 50k LTUL at 136/month. Darn smoking!

The WL was simplified issue 25k - $118/month.

Thanks for replies

 

[jdeasy]

Considering BNTRS post directly above yours...

What makes this best? Why not a Mass policy, or a NYL policy, NWM, Cinci, John Hancock, MetLife, etc. Why is RNA best?

Also, did you run this by the DOI, I wonder what they would say about you calling it best.

OK, in my opinion it is the best. It is whole life, fully guaranteed DB, fully guaranteed premiums and fully guaranteed cash value at the best price.

Turn me in to the DOI for expressing my opinion. I will await their reply.

Do you really take your self that seriously?

 

[VolAgent]

Of course not, but I do like to bust on such simple and bold statements.

 

[jdeasy]

Of course not, but I do like to bust on such simple and bold statements.

That's me, simple and to the point. I answered the question without answering questions not asked to show how smart I might be.