- 8,707
scagnt83 said:Anico might go under $100k on their IUL.
ANICO goes down to 25k under 250k it is standard express underwriting.
Follow along with the video below to see how to install our site as a web app on your home screen.
Note: This feature may not be available in some browsers.
scagnt83 said:Anico might go under $100k on their IUL.
You might want to look at Minn. Life and the Omega Builder IUL. It have the term rider and the children's term rider but no additional insured. It has many rider with the Death Benefit rider that pays out over time and significantly lowers the cost of insurance and improves cash value accumulation.
So I have been wanting to pick up an Indexed Universal Life company, but have been having a hard time choosing one that has everything I want (I know, I'm probbly going to be too picky, but...)
Here is what I am looking for:
- an IUL that has the following riders: Primary insured term rider (preferably continuous for life of policy), Additional insured term rider (preferably continuous for life of policy), child term rider
- competitive loans
- lower rates (I know IUL's are not really supposed to be "shopped" for rates, but I do believe to a certain degree it does make a difference)
i looked at North American, but they dont have the riders I like to bundle with the product. I also looked at Allianz, but it looks like the minimum death benefit is $100k (thats rediculous to me, I would like to see one that has a minimum of $25k)
I used to work at Bankers, and loved their IUL, it had many good riders on it, and I always felt their prices were competitive for the IUL (but the company kinda sucked, so that kinda brung down the value of the IUL they had)
anyway, any help?
adubay23 said:Check out Minnesota Life, they have a new product that rocks! Contact me for more info.
Gosh, I was just trying to help. The Omega Builder reduces the cost of insurance by up to 50% and increases cash by up to 30%. They were the first company to reduce their caps. It's only contracted through certain downlines because it was just released on February 18th. The company that developed the IPA that attaches to the Eclipse product is not Minnesota Life so they are picky about who they choose to sell this product. They only want the best of the best!
Just some candid feedback... when I hear someone say this or that "rocks", I just tune you out and no longer take you seriously. You're not endorsing a radio station here.Gosh, I was just trying to help. The Omega Builder reduces the cost of insurance by up to 50% and increases cash by up to 30%. They were the first company to reduce their caps. It's only contracted through certain downlines because it was just released on February 18th. The company that developed the IPA that attaches to the Eclipse product is not Minnesota Life so they are picky about who they choose to sell this product. They only want the best of the best!