- 2,455
Cool want a contract?
Do you write WRL? I'm using the term w/ living benefits. Looks like this policy goes to 95 Y.O.
-
Do you have any victories you'd like to share for the month of May? Help us celebrate others by posting here.
Whatever Happened to ROP Term??
- Thread starter Mark
- Start date
Do you write WRL? I'm using the term w/ living benefits. Looks like this policy goes to 95 Y.O.
- 25,164
I have not looked at their ROP. If you are able email me the numbers page showing the RdPu I would like to see that.
Thanks
- 1,953
Ok. I was going by this info:
35 year old dad, home owner.
Preferred non smoker
Primary bread winner
$250,000 mortgage
20yr. ROP
- 25,164
No, I was posting to Bob's request for someone to quote for a review.
OB1, sent the illustration to me.
Male age 28
looks like p+
$500,000
ROP
Premium = $98.16 per month
Included the Terminal illness, Chronic Illness and critical illness benefits.
Lee
Last edited:
- 2,455
You got everything right except it is a FEMALE not male.
- 15,319
- 1,953
Ok Thanks.. I thought the end of term face was a bit high with the numbers I used.
- 25,164
At first blush it looks like they are paying $26.48 for the additional benefits. Not sure if those continue with the RD Pu.
Per Compulife:
$107,342 Protective 20 pay GUL = $54.84
$392,658 Protective 20 yr term = $16.84
Per Compulife:
$107,342 Protective 20 pay GUL = $54.84
$392,658 Protective 20 yr term = $16.84
- 1,953
One way to consider it is to use a nonRop along with a stand alone Critical Illness. I don't know off hand if there's a a CI policy that offers Critical and Chronic benefits in one policy to really compare.
I would think when looking at a ROP the true thinking would be about the ROP at the end of term and the other benefits are basically gravy depending on the available amounts and if the benefits are a stand alone benefit or are they taken from the face amount of the policy.
I would think when looking at a ROP the true thinking would be about the ROP at the end of term and the other benefits are basically gravy depending on the available amounts and if the benefits are a stand alone benefit or are they taken from the face amount of the policy.
- 25,164
FYI, Cinci on the the same girl would be $60.72PAC, CV = $14,573 RdPu =$68,500 Others may be better.
