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Jan 9, 2010 2:16 pm

Has anyone looked into their 30 Year Your Value Term? It is cheaper than competing carrier's ART and at the end of 20 years, still cheaper than other companies' 20 year term. I think it's new?

Jan 29, 2010 6:22 am

Keri just shrugs again not sure what to do. Maybe staying at this place
wouldn't be a bad idea.After all she doesn't know these woods,it
would be difficult to find a spot to winter down.But then again,she
couldn't help shake the feeling that she just didn't belong here.

Jan 29, 2010 7:48 am
danmartin:

Keri just shrugs again not sure what to do. Maybe staying at this place
wouldn't be a bad idea.After all she doesn't know these woods,it
would be difficult to find a spot to winter down.But then again,she
couldn't help shake the feeling that she just didn't belong here...



...especially given the fact that Keri is not a registered representative, compliance person or financial advisor or insurance salesman.  While she may like to stay, she is pretty sure that she will be made fun of endlessly and treated like general trash.

Jan 29, 2010 10:50 am
ChrisVarick:

Has anyone looked into their 30 Year Your Value Term? It is cheaper than competing carrier's ART and at the end of 20 years, still cheaper than other companies' 20 year term. I think it's new?

 
What if, 20 years in the client changes their mind and they want more than the additional 10 years that are left?  What are their options?
Jan 31, 2010 5:13 pm
deekay:
ChrisVarick:

Has anyone looked into their 30 Year Your Value Term? It is cheaper than competing carrier's ART and at the end of 20 years, still cheaper than other companies' 20 year term. I think it's new?

 
What if, 20 years in the client changes their mind and they want more than the additional 10 years that are left?  What are their options?

 
They are able to convert to a GUL, either prepaid or traditional UL. Unfortunately, they do not have whole life policies. Or of course, if they are happy, they can reapply.