Comments on: Susan Orman on Life Insurance

By: bond519

bond519 — Sun, 31 Jan 2010 00:05:25 +0000

@IOWNBANTERKING1: That is real easy. Can you claim your cash value on your taxes? NO. And you call yourself an advisor? I don’t think so.

By: bond519

bond519 — Sat, 30 Jan 2010 23:47:24 +0000

@gaddiswfg: Now I know that you are lying. By the way you sound like a typical whole life agent that twists your comparisons around to make your permanent insurance look good. When you make your comparisons maybe you should use a good mutual fund and you already claim to use cheaper term. So if you were actually using honest comparisons you wouldn’t post the BS you just did.

By: bond519

bond519 — Sat, 30 Jan 2010 23:46:48 +0000

@gaddiswfg: No moron you are the one that doesn’t have a clue of what you are talking about. You bent thinking whole life agents always mention all of these people that buy all kinds of whole life. Proove it! Where is the proof? The truth is that you are full of shit and lying your ever loving butt off because arguing here on You Tube won’t put your butt on the line if you are lying. At the clients table where the truth would come out you would be exposed. Sorry bud but you wouldn’t win with me.

By: bond519

bond519 — Sat, 30 Jan 2010 23:46:05 +0000

@gaddiswfg: Feel sorry for all of our clients all you want but at least we save out clients from the scams of Cash Value Life Insurance. All you save them from is having more money in their true investments. Stop lying gaddiswfg.

By: MegaJohnShaft

MegaJohnShaft — Sat, 30 Jan 2010 22:47:02 +0000

Inswiz-You are mistaken about ALL ULs exploding, I was saying SOME have NLG. I would even add that I have a company that has a term rider on the IUL. and 6 different crediting options of which none creates a loss for the client. It still has the term insurance portion(rider), and still has the cash accumulation. Gaddiswfg can tell you the companies, he has listed some already. Good luck Inswiz with your business.

By: MegaJohnShaft

MegaJohnShaft — Sat, 30 Jan 2010 21:47:36 +0000

@bond519-you should not be to angry at gaddiswfg.If you know the history of his company and YOURs there is a common connection…
BTW-how is biz going for you?

By: inswiz

inswiz — Sat, 30 Jan 2010 21:38:26 +0000

I am appointed with the companies under the AEGON umbrella, have access to products that you aren’t even allowed to sell under Aegon. ING’s IUL just came out what like last year, like Feb or March 08, correct me if I am wrong. I don’t know about Western Res. but like a few months ago for that GIUL. I was exposed to GIUL by the company that pioneered the product, GAddis. I am just curious with the relatively short time GIUL has been on the market how can you have so much CV?

By: inswiz

inswiz — Sat, 30 Jan 2010 20:48:45 +0000

Go anywhere on the web and they will say that you guys repeat what you company tells you. 10.5% need I say more? Tell me the participation rate then.

By: inswiz

inswiz — Sat, 30 Jan 2010 20:44:06 +0000

What about premium expense load? What about the overloan protection rider? Are withdrawals free? Then again let me bring up the participation rate, why can’t you say currently the part. rate is ??%?

By: inswiz

inswiz — Sat, 30 Jan 2010 20:00:29 +0000

Do you think that an 10.5% is ROR that you should be illustrating to your clients?