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I am looking at picking up a new carrier and I'm looking at American General Life Insurance Company, Banner Life Insurance, Saving Bank Life Insurance Company of MA, and Ohio National Which would you pick based on ease of placing a case and rates?
I would pick Protective Life above those companies.... I compare Protective with Banner every day.... Difference to me, Protective has more convertible products, better or equal rates, and more commission than Banner....
Simple math 'PROTECTIVE'... Second would be ONL on Product alone, but comp is not great especially if you are in OH.
skipper whats comp at protective on there 30yr level term?
Second Protective. If he had put Protective in the list I would have picked them as well. Not because of the conversion products, there I would have picked ONL. I use Protective to beat price based competitors regularly. One underused value with them is the DT at the end of the term period over the huge sticker shock at the end. Being able to dial down their UL is important as well many people's needs do not fit in neat 20 or 30 year blocks. Also a dialed down UL will issue at higher ages than many term plans. And if the UL is the Advantage it has a rolling target. Which can mean 50-100% more comp.
wino what do you mean rolling targets?How's protective under writing?how's there gul?