Who Has Great Term Rates with ROP Option

Discussion in 'Life Insurance Forum' started by IsellMN, Jul 25, 2017.

  1. IsellMN
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    IsellMN New Member

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    I'm new in MN and I will be targeting 30-40 year old people that own a home.

    I know new home owners or people that refinance will be hit up by all the Mortgage Protection agents and I want to offer a similar product with better rates.

    I posted a similar question, but didn't get to many responses.

    Any help greatly appreciated.

    Thanks
     
  2. STIBROKER
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    STIBROKER Super Moderator Moderator

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    you will find your answer here......

    https://lifepipe.ipipeline.com/LTSearch.aspx?GAID=512



     
  3. jboussea
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    jboussea Well-Known Member

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    AIG usually ranks best in ROP options
     
  4. Lewis_FL
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    Lewis_FL Well-Known Member

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    AIG's ROP is going away in Sept.
     
  5. Hmac
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    Hmac Member

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    Kansas City Life has a 20 and 30 year plan that offers ROP, RPU option, and ET option
     
  6. sman
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    sman Well-Known Member

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    Cincinnati Life has extremely competitive ROP rates. Especially in the preferred and preferred plus rate classes.
     
  7. GreenSky
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    GreenSky Well-Known Member

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    If it's ROP why would the price be important? The more you pay the more you get back.

    The main reason for ROP is as a forced savings account.

    Rick
     
  8. sman
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    sman Well-Known Member

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    Yep. Most people would be better off using the old AL Williams motto, buy term and invest the difference (compared to a ROP term).
     
  9. johndf
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    johndf Well-Known Member

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    Unfortunately, most people didn't invest the difference
     
  10. DHK
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    DHK Well-Known Member

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    That's not what sman was saying. He was comparing investing to the 0% return of ROP term, not behavioral finance.
     

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