damadcrapper
Super Genius
- 157
I assume with interest rates rising and overall inflation there might be pressure on SPWL sales. I have not seen much discussion in the Forum. Is anyone here selling it? If so, which carriers?
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I have found some old, underperforming policies during reviews and the client was looking for a 1035 option and no further premiums. Mostly small cases.
I agree.I have searched high and low and I've come to the conclusion that no one has ever marketed SPWL successfully.
I assume with interest rates rising and overall inflation there might be pressure on SPWL sales. I have not seen much discussion in the Forum. Is anyone here selling it? If so, which carriers?
Baltimore has a great SPWL!Caveat, NOT an agent.
Oxford and Liberty Banker's Life are two possibilities. Baltimore Life another. There are more, I can no longer recall them.
When I was looking in 2021, LBL offered a little more coverage for the premium I had to spend, but I liked the Oxford accelerated death benefit programs, and the forced amount to be retained for insurance, better for the situation I was working on, So I went with an Oxford policy with a lower face and what I hope will be more appropriate accelerated benefits.
Premiums have gone up once or twice since then so I have no idea how comparisons would work out today.
Baltimore has a great SPWL!