Whole Life Premium Grid Update

[Brokers Alliance]

According to the caveat, the NY Life AD 108 is the whole life. Could you be speaking of the NY Custom UL AD 111?

 

[scagnt83]

NYL AD108 is their new WL that was rolled out in 08' (right at the time I left NYL)

 

[jdeasy]

According to the caveat, the NY Life AD 108 is the whole life. Could you be speaking of the NY Custom UL AD 111?

They call it whole life, but the interest rates are not guaranteed. That's not whole life.

 

[WinoBlues]

There are different flavors of Whole Life. There have been Graded Premium Whole Life, Interest sensitive Whole Life to name two..

 

[scagnt83]

They call it whole life, but the interest rates are not guaranteed. That's not whole life.

There is an AD108 WL. It was just an updated AD107 WL.

Try a quick google search of new york life ad108, there are numerous references to AD 108 WL.

Although I did find a reference to AD 108 UL... so maybe there are both... idk.. their UL sucked so I never sold it.


But I know for a fact that there is an AD 108 WL. It has a guaranteed dividend rate and a current dividend rate, and of course the current isnt guaranteed.
I even have the producer pack somewhere at the bottom of a drawer somewhere...


- - - - - - - - - - - - - - - - - -
Here is one from national underwriters.

It shows historicals and a hypothetical DB on a 40yo, its a comparison of all top WL companies.


Life and Health




This would be good reading for our good friend Chuckles.... it shows INCOME SCENARIOS (based on $10k/year of premium) of many of the top WL carriers


Life and Health

 

[WinoBlues]

...............
This would be good reading for our good friend Chuckles.... it shows INCOME SCENARIOS (based on $10k/year of premium) of many of the top WL carriers...................

I wounder if NML and NYL agents are on seppuku watch due to the new ratings?

 

[scagnt83]

I wounder if NML and NYL agents are on seppuku watch due to the new ratings?

lol
..................................................

 

[shooter]

There is an AD108 WL. It was just an updated AD107 WL.

Try a quick google search of new york life ad108, there are numerous references to AD 108 WL.

Although I did find a reference to AD 108 UL... so maybe there are both... idk.. their UL sucked so I never sold it.


But I know for a fact that there is an AD 108 WL. It has a guaranteed dividend rate and a current dividend rate, and of course the current isnt guaranteed.
I even have the producer pack somewhere at the bottom of a drawer somewhere...


- - - - - - - - - - - - - - - - - -
Here is one from national underwriters.

It shows historicals and a hypothetical DB on a 40yo, its a comparison of all top WL companies.


Life and Health




This would be good reading for our good friend Chuckles.... it shows INCOME SCENARIOS (based on $10k/year of premium) of many of the top WL carriers


Life and Health

Excellent source, thank you very much for answering the question I posted on another thread.

Shooter

 

[Brokers Alliance]

That report on whole life is the same report I pulled my info from. I like the premium spreadsheet & historical data. Thanks for the link.

 

[VolAgent]

This would be good reading for our good friend Chuckles.... it shows INCOME SCENARIOS (based on $10k/year of premium) of many of the top WL carriers


Life and Health

Even the forum favorite, Guardian, wasn't that hot in the comparison either. Too bad they didn't include NYL and Mass, be interesting to see how they compare.