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I wrote one for a 46 yo female, 400k 20yr term for $68 mo. If I remember correctly.
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I'm not sure all FMO's do this but the one I'm looking at (for this product) is telling me that they provide E&O for this product at no charge.
I haven't decided whether to add them or not.
I wrote one for a 46 yo female, 400k 20yr term for $68 mo. If I remember correctly.
That's competitive at standard. Anything better and it starts to look really pricey.
I'm not sure all FMO's do this but the one I'm looking at (for this product) is telling me that they provide E&O for this product at no charge.
I haven't decided whether to add them or not.
It was actually 300k not 400.... who else offeres the living benefits for that price point?That's competitive at standard. Anything better and it starts to look really pricey.
It was actually 300k not 400.... who else offeres the living benefits for that price point?
It was actually 300k not 400.... who else offeres the living benefits for that price point?
They offer up a few examples where they're priced better than TransAmerica with the same coverages. IDK much about this as im fairly new to life insurance but as most do, they make it sound good for what you get.Many carriers have an ABR for terminal. I don't normally focus on chronic or critical riders (especially the "free" ones) since most use an actuarial calculations based on remaining life expectancy to actually accelerate your death benefit.
A stand alone CI or even better, a DI policy, is a stronger (albeit more expensive) solution with typically much more benefit and "known" coverage (since you don't know how you'll be assessed with the free chronic/critical rider).
I guess that it is better than nothing but it wouldn't be enough for me to recommend a carrier that looks to be much more expensive than their competitors (at least at better classes).