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You planning on referring every case out??
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My point was about moral compass. Do you purposefully keep a blindfold on a consumer because you can not benefit from informing a consumer of an option that is in their best interest to know about.
Take this example. You sell life insurance. Prudential is the only company that gives non smoker rates to tobacco chewers and cigar smokers. Prudential chooses to restrict its contracts away from brokers. You can no longer sell Prudential life insurance and receive any compensation. A cigar smoker calls you. Do you A) quote the best smoker rate which is double Prudential's rate? Or B) pick up your phone and call a Prudential agent to ensure the consumer receives the best policy premium?
Make sense?
Yeah I picked up on that. That's why I questioned why she needed it in the first place.
I'd saved her $3300 a year (assuming she had no kids and wasn't planning on getting married.)
While you guys just want to help your Mass Mutual friend get a paycheck!
You planning on referring every case out??
Yeah I picked up on that. That's why I questioned why she needed it in the first place.
I'd saved her $3300 a year (assuming she had no kids and wasn't planning on getting married.)
While you guys just want to help your Mass Mutual friend get a paycheck!
But if she got older and the premium went up so much she couldn't afford it and had to let it go maybe not.
Without seeing the actual contracts, I wouldn't choose any of them.
Mass has one of the best LTCI contracts on the market by far. They also have the most stable rates in the industry.
People who know the LTCI market realize what Jack is talking about. Do some searches on the forum about Mass LTCI. Lots of comparative info if you want to learn.
The woman would be a fool not to take the Mass policy if she wants traditional LTCI.
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Jack,
Your only moral option would be to show her asset based options and hope that peaks her interest for some reason.
I would also suggest you take a hard look at their 20pay WL combined with the LTCI Rider. Very strong alternative to MoneyGuard and AssetCare for people that want to ensure their asset keeps growing at a half decent return.
Yes, Tyler, but you agree because you are aware of the existence of this option you would tell her about the Mass Mutual policy option, even though you can no longer sell it, correct?
Yes, Tyler, but you agree because you are aware of the existence of this option you would tell her about the Mass Mutual policy option, even though you can no longer sell it, correct?