- 3,247
What carriers would give this guy his money back at the end of the term?
Any suggestions?
He's 6.1" and weighs 235 lbs
No medications and Non Tobacco
Any suggestions?
He's 6.1" and weighs 235 lbs
No medications and Non Tobacco
60 Year Old Male Wants Term with ROP
- Thread starter Agentguy5
- Start date
Assurity has a non-med and a med ROP option, he should jump on it soon if he wants it, cut off is 60 years old. I thought MOO had a ROP rider on their term as well..
- 3,764
Think Prudential would be able to offer. Probably a better deal if they guy is healthy compared to non medical exam plans
- Thread starter
- #4
- 3,247
Thanks you mucho guys!
- 24,983
United Home Life
SITerm
$50,000 @ $152mo
At the end of 20 years ROP of $36,362 _Or_ a paid up Policy of $47,805 Or a combination of ROP and Paid up ins.
Last edited:
- Thread starter
- #6
- 3,247
- 24,983
Nice..... And I think we have a winner!
Thank you!
I Edited it. I quoted female in error. Still a winner.
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Nice..... And I think we have a winner!
Thank you!
Also, the comp if much higher than standard term. more in the FE area.
- Thread starter
- #8
- 3,247
- 109
ANICO has a great GUL product.
I know you said term but this product will fit it perfectly.
for $50,000 the premium is $133.67
At year 15 they can get 50% of premiums, $12,030
At year 20 they can get 100% ROP, $22,500
At year 25 they can get 45% of death benefit*, $22,500
* It's 45% of death benefit or 100% ROP, whichever is lower.
If he doesn't elect to have ROP he can keep the policy to age 121
This product is basically permanent term.
I know you said term but this product will fit it perfectly.
for $50,000 the premium is $133.67
At year 15 they can get 50% of premiums, $12,030
At year 20 they can get 100% ROP, $22,500
At year 25 they can get 45% of death benefit*, $22,500
* It's 45% of death benefit or 100% ROP, whichever is lower.
If he doesn't elect to have ROP he can keep the policy to age 121
This product is basically permanent term.
- 24,983
That looks good. To clarify the UHL term is SITerm, about T4. Doug is an FE.
The ANICO GUL sounds similar to UoO. I have not looked at the ANICO GUL. Have you compared them? What was the strength of ANICO?
Thanks,
Lee
