Joint Whole Life First to Die

[WinoBlues]

Seems I remember it being about 30% less than separate polices.

I have a meeting with a couple with a pretty good difference in age. Normally it is the male that is older, in this case it is the female that is about 24 years older. This may be an option. They currently have ARTs that just went up so they are looking for something level. Worth a look.

 

[goillini52]

I have a meeting with a couple with a pretty good difference in age. Normally it is the male that is older, in this case it is the female that is about 24 years older. This may be an option. They currently have ARTs that just went up so they are looking for something level. Worth a look.

A real Cougar eh?

 

[WinoBlues]

A real Cougar eh?

Ha, guess she just wanted to train one.

 

[Derrick]

I've always heard it called a "Survivorship" policy with a "First to Die" rider.

 

[DWPCL]

Does Assurity contract direct or do I need to go through an FMO?

 

[Newby]

I've always heard it called a "Survivorship" policy with a "First to Die" rider.

First to die option is not usually a rider. It's the base policy design.

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Does Assurity contract direct or do I need to go through an FMO?

They will do either.

 

[Derrick]

First to die option is not usually a rider. It's the base policy design.

Not the ones I've worked with. The ones I have, have had the base survivorship, which is essentially second to die. Usually to pass on an estate in an tax efficiently, but at a better rate than 2 separate policies. And the first to die rider costs extra.

Just telling you my experience.

 

[EasternShore]

Anyone know when that webinar is? I'm not appointed yet so can't access much info on the site. Thanks!

 

[WinoBlues]

Anyone know when that webinar is? I'm not appointed yet so can't access much info on the site. Thanks!

Several of the IMOs here have them I have mine through Todd King. Reach out to him and he can get you a schedule and probably a seat. Seems that they are limited to 200 per session.

 

[EasternShore]

Thanks again WB!