re: Whole Life, Infinite Banking (IBC), Cash Flow

quote:

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While I would agree that a well-run stock company is a better option than a poorly-run mutual one, I can't see any reason I wouldn't buy a policy from one of the best mutual companies if all underwritings factors or equal

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This is significantly more complex, harder question to answer on a message board. I wouldn't contest it as a rule of thumb.

I'll just say that a sophisticated buyer who understands what they are looking at shouldn't rule out non participating (i.e stock) products.

quote:

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. For this guys need

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I don't have an opinion on what this guy should do, so I wasn't trying to argue with what you were saying specific to this guy


Just that an "only mutual non direct recog" has the potential to filter out a superior option