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Reply to Who Has Great Term Rates with ROP Option     
Old 07-25-2017, 06:09 PM   #1
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Who Has Great Term Rates with ROP Option Who Has Great Term Rates with ROP Option
I'm new in MN and I will be targeting 30-40 year old people that own a home.

I know new home owners or people that refinance will be hit up by all the Mortgage Protection agents and I want to offer a similar product with better rates.

I posted a similar question, but didn't get to many responses.

Any help greatly appreciated.

Thanks
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Old 07-25-2017, 06:33 PM   #2
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STIBROKER on Who Has Great Term Rates with ROP Option
 
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
you will find your answer here......

https://lifepipe.ipipeline.com/LTSearch.aspx?GAID=512



Originally Posted by IsellMN View Post
I'm new in MN and I will be targeting 30-40 year old people that own a home.

I know new home owners or people that refinance will be hit up by all the Mortgage Protection agents and I want to offer a similar product with better rates.

I posted a similar question, but didn't get to many responses.

Any help greatly appreciated.

Thanks


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Old 07-26-2017, 07:52 AM   #3
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
AIG usually ranks best in ROP options
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Old 07-26-2017, 10:15 AM   #4
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Lewis_FL on Who Has Great Term Rates with ROP Option
 
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
Originally Posted by jboussea View Post
AIG usually ranks best in ROP options
AIG's ROP is going away in Sept.
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Old 07-26-2017, 11:07 AM   #5
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
Kansas City Life has a 20 and 30 year plan that offers ROP, RPU option, and ET option
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Old 08-06-2017, 01:27 PM   #6
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
Originally Posted by IsellMN View Post
I'm new in MN and I will be targeting 30-40 year old people that own a home.

I know new home owners or people that refinance will be hit up by all the Mortgage Protection agents and I want to offer a similar product with better rates.

I posted a similar question, but didn't get to many responses.

Any help greatly appreciated.

Thanks
Cincinnati Life has extremely competitive ROP rates. Especially in the preferred and preferred plus rate classes.
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Old 08-06-2017, 02:28 PM   #7
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
If it's ROP why would the price be important? The more you pay the more you get back.

The main reason for ROP is as a forced savings account.

Rick

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Old 08-06-2017, 04:36 PM   #8
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
Originally Posted by GreenSky View Post
If it's ROP why would the price be important? The more you pay the more you get back.

The main reason for ROP is as a forced savings account.

Rick
Yep. Most people would be better off using the old AL Williams motto, buy term and invest the difference (compared to a ROP term).
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Old 08-06-2017, 08:07 PM   #9
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
Unfortunately, most people didn't invest the difference
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Old 08-06-2017, 09:12 PM   #10
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Who Has Great Term Rates with ROP Option Re: Who Has Great Term Rates with ROP Option
That's not what sman was saying. He was comparing investing to the 0% return of ROP term, not behavioral finance.
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