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What are your other recommendations for ROP carriers? I know some of them are only returning 75% of premiums these days.
UHL ROP Term has tables built in. So it is more of an FE alternative.
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What are your other recommendations for ROP carriers? I know some of them are only returning 75% of premiums these days.
This particular client wants 30 yr ROP for $50k.. still no luck.Cincinnati Life has one of the better ones. I was direct to the company. They recently wanted me to go under an upline or lose my contact. So I no longer have them. They return 100% at the end of the term. Or a RdPdUp option. Really shines at $1,000,000.00 face on younger clients. Underwriting is somewhat tight and they are a my way or the highway company.
Pru has been good for me on build and MJ.
While not term MoO's GUL has ROP options built in. Not a hard value added up sale.
This particular client wants 30 yr ROP for $50k.. still no luck.
This particular client wants 30 yr ROP for $50k.. still no luck.