- Staff
- #21
Banner is probably the cheapest. However, I have been in business long enough to see what happens at the end of the 20 or 30 year term period. My pick would be Protective. With Banner the premium will BLOW UP at age 75.
So will Protective.....look term is just pure life insurance....just like bottled water...why pay more than you have to for it.....in thirty years your life insurance needs will change......the fact is only 1% of term policy's pay because people will typically out live the term plan.......if you want a plan to pay when you die of old age you need to be looking at GUL'S....
Times have changed....life insurance is now moving more to online sales....Health Insurance has been doing this for years......To avoid misunderstanding of products/services, do you recommend finding a local agent or this process can be done effectively over the phone/online? I'm in San Jose.Thank you!