|
|
 |
|
 |
 |
 |
 |
|
| Locate a local agent |
In Reply to: Today's Primerica posted by Len on March 28, 2005 at 07:56:57:
Thanks for your responses. I kind of figured that was going to be the answer. I've been out of the insurance biz for about 4 years. When I left PFS, I too learned much about the real world of insurance & investments, so the 100% term-only philosophy I cannot agree with. From what I gathered, it seemed to me that their attitude has changed to "Term is usually the best product for Middle America".
How they could say otherwise when they sell Travelers annuities and are part of Citigroup still is amazing.
Now, since Middle America is still probably 70% of the insurance market, the question that I had was.. Could PFS make sense since Middle America is my market? I just don't think that I could fit in knowing that I could provide a more suitable product than term in some situations.
Any insurance product, sold properly, to the right market and for the right reasons is the best product. You can't always be the "cheapest" product on the market. But you are being paid for the right solution.
Speaking of price. Can anyone compare Primerica's rates for me (since they do not publish their rates). I'd like to compare against some of the other term insurance products. If they are too far off the mark, that's no good.
How about these scenerios:
Male, age 40, 20YR Level term, Preferred (not Super-preferred, etc...), $500,000
Male, age 30, 20YR Level term, standard, $300,000
Female, age 35, 20YR Level Term, smoker, $250,000
Thanks
