Carrier with a Good Decreasing Term Product?

[KidsGotHeart]

Any ideas???????????????????????????????

 

[goillini52]

Any ideas???????????????????????????????

Used to sell that years ago. Good for a young family. Haven't seen it in a while. Is it still around? Not such a good deal when the F.A. starts to decrease.

 

[Josh]

Why would you need a decreasing term product?

 

[WinoBlues]

Any ideas???????????????????????????????

If you can not find one. Ladder several term plans.

 

[KidsGotHeart]

If you can not find one. Ladder several term plans.

That crosses my mind. A guy needs because of a loan.

 

[naomianya]

Life insurance is a important for every one.Because it protects all types of life related evens.Like health,home,car medical insurance etc.

 

[WinoBlues]

That crosses my mind. A guy needs because of a loan.

Then also consider ROP terms if the owner have the chops to pay the extra premium.

 

[goillini52]

Life insurance is a important for every one.Because it protects all types of life related evens.Like health,home,car medical insurance etc.

What about dogs and cats?

 

[Tahoe Ray]

That crosses my mind. A guy needs because of a loan.

If you do find it, it will probably be priced similarly to level term (since there is really no one left in that market).

I'm with Wino on this one...not to mention that if he is getting a business loan (I'm guessing that the lender is requiring it), he might need some additional coverage personally. A collateral assignment covers his note and lets the remaining balance go to his beneficiary which would allow you to make a good case to keep a level (larger) face.

 

[goillini52]

I don't know anything about them, but they say they have decreasing term.

https://www.trustedchoice.com/term-life-insurance/coverage-types/decreasing/