Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
ING over NA. Especially for loans. ING has a 3% fixed rate and a 6% (i think) Indexed Rate.
They also have two different IULs. Traditional S&P based and the "Global Outlook" which is a 3 year lookback of the S&P/Hang Sang/Eurostox, and takes a weighted combo of the top two performers.
NA isnt a bad product. But I dont like their loans. For NDR loans its a variable rate that uses a bond index and multiplier to come up with the rate. Complicated and...well...variable...
American National, on the other hand, does offer both fixed and variable loans. However, their product doesn't sell as well as the aforementioned companies. This doesn't mean it is not as good, but it has less bells and whistles. Relatively speaking, however, when you compare all companies' cash value accumulation IULs against one another, the American National product has lower charges. sjm
Penn,
2% floor 12% cap, same thing as the 0% floor and 14% cap if you think about it. 4% fixed account. Wash loan on the fixed loan, 6% interest on the indexed loan. 5% premium charge years 1-10 and 0% premium charge years 11+. 9 year surrender period with a small rate bump years 10+.
Super attractive waiver rider.
A Mutual, with great financials (ING's comdex is WHAT?)
And...
No pesky IMO to deal with
Hows Penns par wl compared to their iul?