Subject: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Citigroup downgrade

Comments:
: : "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. : I suppose I should continue to try to convince you that term is better? The fact that I put $455,000 of term last night on a family for 66 per month. They were spending 110 for 150,000. I guess I should have reffered him back to the agent who gave his whole family such a great plan. Maybe when he found out that he was going to loose the client he would have given him the cheaper term. One thing is for sure HE WASN'T ON TRACK TO RETIRE WITH HIS CURRANT VUL POLICY IN THE BEST CASE SENARIO. The best case had a diclaimer that his illustration didn't represent any past performance! I feel good about that. Another fact. His old agent and company made much more money on his old plan than we did with the new plan. So now now your convinced? Read consumer reports or study all the major class action suits against the theft of the life industry! Go back to the fed, trade commision report or the senate hearing about how america has been misled by the life industry. now your on my side right? Thats ok you make more selling that stuff. My wife talked to an agent the other day, he sell UL he said he didn't care as long as the checks keep coming in! : I think most people can afford to invest in life insurance. The cost is way higher than the highest load of any fund. Did you know that? : Bob

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