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STI - You criticized the PRODUCT (and the OPs reasons for buying it) and then suggested that he should've looked at Term & GUL because of "better underwriting".
Now you're criticizing the AGENT whether he's 'captive' or not.
You're a disgrace.
BTW, 'standard' IS a good underwriting choice and decision. The OP feels that he's entitled to a better underwriting decision. Why? Because insurance companies like to run "specials" on a preferred risk basis. Also, because insurance companies like to run "bait and switch" tactics by advertising their Superman-preferred rates... therefore consumers WANT those rates.
It takes a mature agent to understand this, relate it to the client, and not join into the madness that the industry created for itself.
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At least LGilmore answered the question that was asked directly - without criticizing the product or the agent.
Now you're criticizing the AGENT whether he's 'captive' or not.
You're a disgrace.
BTW, 'standard' IS a good underwriting choice and decision. The OP feels that he's entitled to a better underwriting decision. Why? Because insurance companies like to run "specials" on a preferred risk basis. Also, because insurance companies like to run "bait and switch" tactics by advertising their Superman-preferred rates... therefore consumers WANT those rates.
It takes a mature agent to understand this, relate it to the client, and not join into the madness that the industry created for itself.
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At least LGilmore answered the question that was asked directly - without criticizing the product or the agent.