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

Comments:
: : I suppose I should continue to try to convince you that term is better? : Well, why? You're talking about a product; I'm talking about people. The best you can do is to try and find people who fit the product. An advisor finds products to fit the people. : :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. : That's the problem with your training. Your not trained to see the whole picture. You think you did well, but there is 40 years? more or less of this life to run its course. : :I guess I should have reffered him back to the agent who gave his whole family such a great plan. : No primerica agent is qualified to plan, and they are equally unqualified to assess someone's financial plan. You're caught up in a biased point of view based on an emotioanl response to the cost of whole life versus the cost of term. I suggest you investigate the cost of primerica's term and compare it to other term. : :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. : VUL isn't a retirement savings plan. If you told him it was to un-sell him, then you are just as guilty as whole life agents who use that particular deception to sell it. : : The best case had a diclaimer that his illustration didn't represent any past performance! : Have you read the FNA disclaimers? All of them? Did you read the part where Primerica disowns any advice you may have given to your Primerica clients? : : 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. : I'll bet your wife and children will be pleased that you accomplished your goal of making less money than the next guy. : : So now now your convinced? Read consumer reports or study all the major class action suits against the theft of the life industry! : Oh, I have. I'm aware of the dirt on tradiditonal life insurance companies. But I'm also aware that Primerica fits in with the bunch real well. : www.members.shaw.ca/bizwatch : 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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