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I'll pose this for the agents on the forum. Let's assume you have a 45 yr. old non-smoker who wants 20 yr. term and KNOWS he won't ever convert. He wants $250K. All we are concerned about is the rates. Let's also assume he qualifies for standard rates with every carrier.
Here are some of the choices:
Savings Bank Life of MA $ 970
West Coast Life $ 995
Ohio National $1,000
Midland National $1,100
These are all A+ carriers although they do vary in size with West Coast being the largest.
Is recommending a carrier other than the lowest price ethical?
Rick
P.S. I'm only using term insurance because it's the easiest. We could use just about any insurance as the example.
Here are some of the choices:
Savings Bank Life of MA $ 970
West Coast Life $ 995
Ohio National $1,000
Midland National $1,100
These are all A+ carriers although they do vary in size with West Coast being the largest.
Is recommending a carrier other than the lowest price ethical?
Rick
P.S. I'm only using term insurance because it's the easiest. We could use just about any insurance as the example.