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re: Everybody wants to sell me insurance...
Posted on 2/6/14 at 10:27 am to BigErn
Posted on 2/6/14 at 10:27 am to BigErn
There is just a bunch of bad information out there mostly out of not understanding what they are looking at. This goes for insurance agents and those who are against the stuff.
Hell, I can design a permanent policy that is going to have a terrible cash value return. It will probably break even over 20 years. Somebody looks at that policy and says it is a terrible investment. They are right. That policy I designed wasn't for cash value growth. It was for Death Benefit maintenance. The premium was significantly lower than a cash value rich policy and is mainly used for Estate Planning.
Its just the nature of the beast.
Hell, I can design a permanent policy that is going to have a terrible cash value return. It will probably break even over 20 years. Somebody looks at that policy and says it is a terrible investment. They are right. That policy I designed wasn't for cash value growth. It was for Death Benefit maintenance. The premium was significantly lower than a cash value rich policy and is mainly used for Estate Planning.
Its just the nature of the beast.
1
Posted on 2/6/14 at 10:40 am to GoCrazyAuburn
quote:
GoCrazyAuburn
NW sent me forms to fill out to do the DB analysis. I'm meeting with them again next Thursday. If I can think of anything else, I'll ask here.
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