Subject: Re: Re: Re: Today's Primerica

Comments:
: : 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 Can anyone compare Primerica's rates for me (since they do not publish their rates).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 : **** You can do a comparison on www.term4sale.com : To narrow it down, you may have to look at A++ carriers. In general, they still don't compare, but as we know 'they are competitive"** : Do a comparison for the 30 year product. : Notice the length of the guarantee.

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