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Illinois Mutual has gotten more competitive on their term, still not a price leader.
Ohio National rates are going up 4-6%, they are still very competitive.
We are going to see a lot of activity in rates and product changes between now and January 1.
Kinda reminiscent of the triple X days.
- - - - - - - - - - - - - - - - - -I know one thing....trying to get some of these cases done with the transition rules of new rates (to lock in the lower rates) has a been a real pain in the ass the last few months.
This is absolutely correct. Some of the companies that put rates up, have so killed their term sales that they are now readjusting down. Meanwhile, after they put their rates up, other companies had spikes in volume that they can't handle and so they are putting their rates up.
Of course all that will cause the reverse to occur and those that went up will have to go down and those that went down will have to go up.
This should take 12 to 24 months to settle down, by which point we will have a whole new credit crisis to jack them back up.
You gotta admit, Obama promised change...
I second that!
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Right or wrong I am using this to my advantage.
"Get it while you can" One of the biggest differences between now and the XXX times is that we are already seeing product going away.
Anyone not selling with the pitch "get em while they're hot" is missing the boat.
Especially 30 year term and ROP term. Prices will not be lower for a long time to come because these are capital intensive products and regulators keep ratcheting up the pressure against these products - courtesy of the big companies who hate selling the stuff and who would prefer to peddle whole life.