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re: Whole Life Insurance Lapse Rate
Posted on 1/26/14 at 4:28 pm to Stingray
Posted on 1/26/14 at 4:28 pm to Stingray
Okay, you can blame bad selling, that is definitely a factor. However, tying the lapse ratio to actual return is dishonest at best.
However, I'll humor it. What does the lapse ratio have to do with WL being a bad product? If you purchased it, are you going to lapse it? If not, ten this whole conversation is worthless.
Term lapse rates are worse than WL. I would venture to bet the % of people who actually inves the difference in premiums is even worse. Does any of that change your return if you choose that strategy? No.
However, I'll humor it. What does the lapse ratio have to do with WL being a bad product? If you purchased it, are you going to lapse it? If not, ten this whole conversation is worthless.
Term lapse rates are worse than WL. I would venture to bet the % of people who actually inves the difference in premiums is even worse. Does any of that change your return if you choose that strategy? No.
1
Posted on 1/26/14 at 5:54 pm to GoCrazyAuburn
quote:
However, I'll humor it. What does the lapse ratio have to do with WL being a bad product? If you purchased it, are you going to lapse it? If not, ten this whole conversation is worthless.
A metaphor.
If I step up to bat, I can intend to get a hit. Maybe I will, maybe I won't. But history says that even the greatest of hitters only hit around .300. This information bodes poorly on my chances to get a hit - just like 80% bodes poorly on my chances to get to the death benefit.
This post was edited on 1/26/14 at 5:56 pm
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