Whole Life For Children-best Product?

[jonesmoney]

Who Has The Best Whole Life Product For Children That I Can Actually Sell??? Please Help.

 

[STIBROKER]

Guardian.......

 

[VolAgent]

Ohio National, Mass Mutual, MetLife, Guardian and many, many others.

 

[dgoldenz]

Guardian x2

 

[DHK]

I think Mass has the best GIO options available for a kiddie policy with no medical requalification.

Whichever policy that offers the best guaranteed purchase options for the future (in addition to using the policy like a "bank") would be the best one to sell.

 

[dgoldenz]

What does Mass offer for GIO?

 

[DHK]

Per FieldNet:

Available on the policy anniversaries nearest the insured's ages 25, 28, 31, 34, 37, and 40. Additional option dates, ie. ages 43 and/or 46, are available with newer rider series. Failure to exercise a regular option results in a forfeiture of that option only; future options (if any) are not affected.

Per MassMutual Designs software:

Minimum is $25,000; maximum is 2x face amount not to exceed $125,000

So, upon each age, you can purchase additional insurance up to $125,000 - depending on the starting face amount.
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Oh, and it's GIR for "Guaranteed Insured Rider". I got another acronym wrong.

 

[VolAgent]

Per FieldNet:



Per MassMutual Designs software:


So, upon each age, you can purchase additional insurance up to $125,000 - depending on the starting face amount.

You sure about that, I don't recall it being anywhere near that generous.

 

[DHK]

Those were direct copy/paste from both the software and the website.

 

[VolAgent]

Those were direct copy/paste from both the software and the website.

I'd call in if I was you. Something tells me that 25,000 to 125,000 is a bank the options come out of.