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If you are using waiver of surrender, then option B and C is your only choice.----------
The Midland ECV w/ WSC Rider offers 3 comp options:
A- 95%/1% . 4% Renewals . 0% Trails
B- 10%/2% . 2% Renewals . 1% Trails
C- 7.25%/7.25% . 3% Renewals . 0% Trails
I know some of you have probably ran the numbers on this or seen an illustration however late tonight i will post an illustration.
To echo scagnt's earlier post, there is nothing in the industry that is remotely comparable to this product for early cash value accumulation. I am a former MassMutual career agent and am very gamiliar with their hecv product... That used to be the best high early cash value product in the market, this Midland product blows it away in a average to good stock market of course.
This calendar year alone i have put 765000 of clients money into this product.... all were one, two or 3 pay scenerios...Death benefit, chronic illness benefit, and blows the doors off of any FIA for accumulation with full liquidity
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