|
[Home] [Insurance Quotes] [Follow Ups] [Post Followup]
[Insurance and Annuity Message Board] [FAQ]
Contact your carrier directly for personal account information.
In Reply to: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Citigroup downgrade posted by Bob on September 09, 2002 at 05:16:20: "Come up with some actual real case #s or even some legitamate articals and then we can debate." I've been asking Primerca reps to do this for years, and they never do. how about you? Can you show me one real example of two clients, one with CV and one with term, who both lived to be 85 years old, and how their financial plan was better for one than the other? What if you're both right? What if neither one of them ends up ahead of the other. Lol. Wouldn't surprise me to learn that the only ones benefitting from this is the companies themselves. "I keep searching all the financials ( wall st Jrnl,Forbes,Money or cons rpts). I'm close to 100% replacement with UL UVL WL." What does searching the financials have to do with replacement? "This is after all the agents call and harasments to the clients." Unfortunately, you and your clients will never really know if you did the right thing until the client's life comes to an end. "They always try to say that it's our company and never focus on the products. Why do you suppose that is?" Because term is term. There is very little difference in products. I do see a lot of mention of the high cost of Primerica's term, as well as their involvement in predatory lending. Their funds carry some hefty loans as well. I'd be willing to say that any savings realized by switching to Primerica are quickly absorbed by the high costs of doing business with them.
|