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In your opinion which carrier has the best Term with Return of Premium product in the market and why
Americo
Illinois Mutual shows up a lot when I run Compulife.
They seem to be one of the least expensive.
Don't have any info on their underwriting, or commissions.
In your opinion which carrier has the best Term with Return of Premium product in the market and why
Illinois Mutual shows up a lot when I run Compulife.
They seem to be one of the least expensive.
Don't have any info on their underwriting, or commissions.
Overall, it's not a big product niche but they're normally nice cases vs. traditional term.
What do you pay for IM ROP term?I'm partial to both Illinois Mutual and Assurity Life. We recruit brokers for both so understand that bias on my part. Having said that, competitive rates for the ROP and the base policy in both cases.