term2u
Super Genius
- 101
Second Protective. If he had put Protective in the list I would have picked them as well. Not because of the conversion products, there I would have picked ONL. I use Protective to beat price based competitors regularly. One underused value with them is the DT at the end of the term period over the huge sticker shock at the end. Being able to dial down their UL is important as well many people's needs do not fit in neat 20 or 30 year blocks. Also a dialed down UL will issue at higher ages than many term plans. And if the UL is the Advantage it has a rolling target. Which can mean 50-100% more comp.
I couldn't agree more.. I like Banner as well, but Protective is a very solid company, who is extremely consistent. I actually had not know about their DT feature on their term until passing over another forum and seeing you explain it in one of your replies, so thank you so much for that - there's a wealth of knowledge in this forum.
Oddly enough, I also had a client call me yesterday (app already in UW), as another agent was trying to sell him on the DT on the same protective policy that I had already submitted. Thanks to you, I was aware of the DT and was able to retain the sale. Much appreciated!
Lastly, I have been having terrible UW results with Genworth lately.. Not to hijack the thread, but has anyone else been experiencing this?