- 5,814
PS-- all above numbers would drop if kids WL policies are written where the child becomes the owner & finds out it has cash value between age 18-25
So true... cause they ain't gonna die, well not right now...right?
Key component to all sales is knowing the customer, and helping them get fitted for what they are looking for.
So if average is running close 15 years, then for folks north of 60, a term to 100 with a face fixed face for 20 years (when it fits) might be a good move.
Caveat... clients who it might effect, will not need to worry about cash building in the policy to potentially effect any special benefits they might receive from the state.
2 major reasons I would lean toward Prosperity in @Door2Door 's case is if the client is older and would be better protected by SS billing (policy conservation) and better for @Door2Door because of the (almost certain here) higher commission which is a business decision, and last I checked, we are in the business of being in business.