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Started By
Message
re: Whole Life Insurance Lapse Rate
Posted on 1/26/14 at 8:41 pm to Stingray
Posted on 1/26/14 at 8:41 pm to Stingray
Well, first and foremost, page 19 of your document pertains to all life insurance, not whole life. I've tried to get you to understand that the question you have is irrelevant to whether or not WL is a good product or not.
But, as i've said earlier, looking at your equation, yes it would eventually get to 80, though rough estimate, but would that be around year 45 or so? Happy?
And again, as you have refused to answer, how does that make WL bad? How do individual decisions make the product worse or better?
But, as i've said earlier, looking at your equation, yes it would eventually get to 80, though rough estimate, but would that be around year 45 or so? Happy?
And again, as you have refused to answer, how does that make WL bad? How do individual decisions make the product worse or better?
This post was edited on 1/26/14 at 8:53 pm
1
Posted on 1/26/14 at 9:32 pm to GoCrazyAuburn
quote:
And again, as you have refused to answer, how does that make WL bad? How do individual decisions make the product worse or better?
It's hard to explain. I tried a metaphor. One way to think about it is to consider myself the average consumer, and the average consumer (80% of them), takes the money out of the WL policy, gets taxed on a meager 3-4% return, and doesn't get the DB. To me, that is a bad investment.
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