Decreasing Term? Please Help

I last saw decreasing term well over 5 years ago. Even then, you could find a level term for less money. Someone else mentioned laddering, you can come close with that concept. You can also use an insurance company who offers "term" on a UL chassis. When the level term period expires, the client has an option to keep paying the same premium while the face amount decreases to match the cost of insurance paid.
 
I last saw decreasing term well over 5 years ago. Even then, you could find a level term for less money. Someone else mentioned laddering, you can come close with that concept. You can also use an insurance company who offers "term" on a UL chassis. When the level term period expires, the client has an option to keep paying the same premium while the face amount decreases to match the cost of insurance paid.


Great options. Wonder why no one else recommend these. ;)
 
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