dbracknell
New Member
Hey, I want opinions. What is the best Children's permanent life insurance product out there?
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Columbian Life and RNA are your best bets, Loyal American is your best bet for accident and CI.
Who said it was the SI product. Know of what you speak before opening your mouth
I wasnt aware Columbian had anything other than SI or GI. That is pretty much all they are known for.
Still Par WL (or increasing DB UL) is the most suitable for a child. And im 99% sure RNA does not have one.
From their website it seems CL actually does have a Par WL.
Since I have never once seen it on a competitive spreadsheet I would be skeptical about the quality of the product. Also, according to their website, it does not offer a Guaranteed Insurability Rider like MM, ON, & Guardian do.
Do you know what their Dividend was last year?
Even still, neither company matches the quality of the others mentioned. MM has excellent rates for kids, a stellar product, & stellar financial ratings.
That's professional. Based on the posts so far, it looks like the other posters assumed the OP was asking about the TYPE of product, not a particular company.... Know of what you speak before opening your mouth