Opinions requested on life insurance

[Raybyrnes]

Where is that math coming from. Most agents will get between 80 to 110% of the first years premium and 10 to 20 % of the second year premium with residuals falling to 1 to 5% thereafter.

[Anonymous]

Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.

[Anonymous]

Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.

[Anonymous]

Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.

[Anonymous]

Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.

[Anonymous]

Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.

[Coronita]

[quote=bossplan]Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.[/quote]

This is a joke, right?

[Coronita]

[quote=bossplan]Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.[/quote]

This is a joke, right?

[Coronita]

[quote=bossplan]Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.[/quote]

This is a joke, right?

[Coronita]

[quote=bossplan]Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.[/quote]

This is a joke, right?

[Coronita]

[quote=bossplan]Buy Term and Invest the difference is the biggest financial myth ever perpetrated on the American public. Sure it’s cheap, but you get what you pay for. The majority of Term policies lapse before any benefit is paid. Now you know why the biggest building in town always has an insurance company name on the side.

I’ve written a new book on how to use Insurance to win the retirement game and avoid ever losing a penny in the stock market. Every Pigginton member can get a free copy at rossjardine.com. No strings attached. I’m trying to give away a million copies this year. Really!

If I were this guy I’d stop the contributions to the 401k and replace the entire deal with a solid dividend paying whole life policy. Make sure the cash value is at least 70% in the first year. YES they can do that, but most agents won’t because it comes straight out of commissions.

You never give up access to the money (tax-free – unlike a 401k or IRA) and the interest (about 4.5% right now) is guaranteed. Add in the dividends paid to policy holders by the mutual companies, like NY Life and Mass Mutual, that have been paid out every year for over 100 years and now you’re matching the non-guaranteed returns your financial advisor promised you’d get in your 401k without ever losing a penny in the stock market.

This was the only investment that survived the Great Depression and it worked perfectly in the Financial Crisis of 2008. It’s the most maligned financial product, but also one of the safest, most secure places to put your money for retirement. At least you know it will be there when you need it most.

Once he gets the balance up in the Whole Life policy (you can accelerate contributions in the first years to do this) you can use the policy to finance major purchases like your cars and that new kid’s college tuition in about 20 years and never pay a penny of interest to a bank or credit card company.

Plus when you borrow against the policy, you still get the guaranteed interest and dividends as if the money never left the policy. Like making the money work twice.

Don’t believe the Buy Term and Invest the difference crowd. It’s more likely to be Buy Term and die after the policy lapses or your uninsurable and Invest the difference in the stock market and lose it all. The myth has been exposed.[/quote]

This is a joke, right?

[an]

[quote=flu]
This is a joke, right?[/quote]
S/he signed up an hour ago, so I doubt it’s a joke. Although it’s quite funny.

[an]

[quote=flu]
This is a joke, right?[/quote]
S/he signed up an hour ago, so I doubt it’s a joke. Although it’s quite funny.

[an]

[quote=flu]
This is a joke, right?[/quote]
S/he signed up an hour ago, so I doubt it’s a joke. Although it’s quite funny.

[an]

[quote=flu]
This is a joke, right?[/quote]
S/he signed up an hour ago, so I doubt it’s a joke. Although it’s quite funny.

[Author]

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