SPWL in FL. Need Some Help!

[Mick_Keyou]

My upline can't find a product for the following situation:

67 year old NS female in FL looking to purchase a SPWL with 30K.

ROP for emergencies, potential for growth, and accessibility to the death benefit for LTC.


http://www.insurance-forums.net/forum/life-insurance-forum/who-has-best-spwl-t40955.html
This thread from 2012 has a Sagicor product that looks to be very close to what I'm looking for.

Is this product still around? Anyone know similar products?

Thanks for your help!

 

[Lewis_FL]

Assurity has one. $30k gets you about $47K DB. Is participating. Royal Neighbors too but non-par. $53k DB. Both have ABR for nursing care.

 

[Tahoe Ray]

My upline can't find a product for the following situation:

67 year old NS female in FL looking to purchase a SPWL with 30K.

ROP for emergencies, potential for growth, and accessibility to the death benefit for LTC.


http://www.insurance-forums.net/forum/life-insurance-forum/who-has-best-spwl-t40955.html
This thread from 2012 has a Sagicor product that looks to be very close to what I'm looking for.

Is this product still around? Anyone know similar products?

Thanks for your help!

For those considered WL, you could look at Assurity, Baltimore, Oxford, Sagicor...SPIUL you could also throw in F&G, Equitrust and NWL.

I don't know if they're all in FL but this will at least give you a place to start...

 

[cowgoesMoO]

My upline can't find a product for the following situation:

67 year old NS female in FL looking to purchase a SPWL with 30K.

ROP for emergencies, potential for growth, and accessibility to the death benefit for LTC.


http://www.insurance-forums.net/forum/life-insurance-forum/who-has-best-spwl-t40955.html
This thread from 2012 has a Sagicor product that looks to be very close to what I'm looking for.

Is this product still around? Anyone know similar products?

Thanks for your help!

Foresters has a new spwl plan that is pretty good, commish is sweet too

30k buys 51k in face value, and I think 80% can be used for LTC services.....simplified underwriting too

 

[goillini52]

Settlers Gold runs $18,081 for $35K. They're upping the max later this year to $50K which will run $25,830...assuming her health is ok. The premium for Silver would be about 3.5% higher. Not sure if they're in Florida, but they're adding a bunch of states.

 

[Mick_Keyou]

The ROP is important in case of of a cash emergency. Is that an atypical feature of spwl?

 

[Tahoe Ray]

The ROP is important in case of of a cash emergency. Is that an atypical feature of spwl?

Out of the ones that I listed, F&G, Equitrust, NWL, and Sagicor all have ROP.

 

[Mick_Keyou]

Excellent! Thanks everyone!