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looking for a whole life plan with GI options and a 10-20 pay. The child is a male 0yrs. Thanks.
Good Company with 10 Pay for Kids?
- Thread starter Seniorgirl411
- Start date
- 10,328
Guardian or Mass would be my suggestions. Use the search function in here, there are multiple threads about this subject that have a lot of info in them.
- 18,988
I prefer RNA's 20 pay for those but you also have FBL in Indiana. They have a 10 pay. Trans has a 10 pay. Settlers has a 10 pay and a 20 pay but you will have to do a phone interview with every settlers app.
- 24,968
In your search filter out the plans you do not want. Example: I would not pick any plan not fully guaranteed. If it can happen in the next 100 years, it can happen. You are talking about someone that can life to 100 years old. Given all the great choices I would not write a fraternal of a less than A+ rated company or small company. Better chance the same company will be servicing the policy 50 years from now.
By the way by fully guaranteed I do not mean to exclude dividends.
- 6,994
I researched for awhile and settled on a 20 pay from Guardian for my son that was just born. Same price as RNA but with dividends.
But I would never carry it to write on appointments. The app is long and I've had about a dozen amendments.
Admittedly, I'm an FE agent and am used to SI apps. If I wrote it more, it probably wouldn't have been an issue.
Thanks to Tyler for the help with that btw!
But I would never carry it to write on appointments. The app is long and I've had about a dozen amendments.
Admittedly, I'm an FE agent and am used to SI apps. If I wrote it more, it probably wouldn't have been an issue.
Thanks to Tyler for the help with that btw!
- 24,968
Tyler is a good guy.
Comparing RNA and Guardian. What is the death benefit and cash value in year 1, year 20 and year 65?
- 10,328
Happy to help.
Fully underwritten apps are definitely longer than FE apps. A few of the dividend paying WLs do have e-apps now (Mass is one). Unfortunately Guardian only has e-apps for DI right now, they claim to be working on it for the life side.
"What part of these 40 pages do I need to fill out?"
"All of it"
"Oh......"
A conversation that I have almost daily.
- 6,994
1. 25000 and 0
20. 40451 and 5291
65. 60746 and 13635
This is assuming I can read this correctly. I just emailed you an illustration.
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