NBC News – Investing In Life Insurance
Investing in life insurance can be an important asset in your investment portfolio.
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@valvo61 YES, as a matter of fact, my car insurance and my home owners, both through USAA, one of the best out there, has a Subscribers Savings Account (SSA) which works very similar to the dividend on a WL policy. If the company does well and keeps costs low in a given year, the board of directors passes some of the savings back to the policy owners. While it is not a huge sum of money I use it to reduce the premium on my policies.
@insurancemike10 so you have chosen NOT TO ANSWER ……………WHY NOT? BTW I LIKE THE “MOST POLICIES” lol you must be drunk when you post .PROOF READ OR GET SPELL CHECK !!
Explain this to me as the other Primerica fools can’t. Why is it that for a 45 female top class for $1 million for 30 years (you only guarantee 20) it costs $2435 and if paying monthly $2770? The competition will fully guarantee the 30 years, offer conversion for no extra fee and they charge on ave. $1400? This is from Mass, Guardian, ING, PRU, TRANS. Why do you charge females unisex rates – the same as men – and oh the competition for males is at $1900, again far less.
Idiot questions, are dividends guaranteed? Is investment results guaranteed? Complete mindless fools are what the Primscary agents. At least Whole Life has a guaranteed cash value that increase more than annual premium paid by year 4 on most policies. Therefore you aren’t paying premium net net as your lif asset is increasing greater than the decrease in your cking assest.
@insurancemike10 are dividends guaranteed?
@eline65 Thats the beauty of whole life. There are no variables other than the divs which have been as expected. As for the cash at death I’ve already told you that the swathe benefit grow faster than the cash and is paid to the bene. And where is all that term premium? Gone and could have been invested. My life INS is now with me for my whole life and not a term period. Get it?
@insurancemike10 you see in my game plan when i die my wife gets 1) my life policy,and 2) our savings.YOU ARE WHAT WE CALLED “OWNED”
@insurancemike10 DUDE WHY CAN YOU NOT ANSWER THE FRIGGING QUESTIONS?
Once again no logical reply – Primerica keep recruiting these tools and I’m sure to continue to mock you. next
@insurancemike10 What happens to the cash value when the insured dies? the face value is paid but the cash goes…..?
There are ALOT of variables that could cause those results that can make or break those numbers. I’m willing to bet that from the day you bought that policy, the money you paid in premiums is less than that cash value, unless you’ve had it for MANY years. chances are the same money would do far better in the market.
@insurancemike10 you are oooozing with trash value salesman, how does your mom describe you to her friends? ” my son is a tax collector” hell that is better than the truth.
@insurancemike10 a “dividend” in a trash value policy lol you are so stupid.BTW LEARN TO SPELL! WHY DO YOU NOT ANSWER SIMPLE QUESTIONS??
@eline65 Now I have you. First the illustrated guaranteed cash value is real and by year 3 increases more than the premium so asset to asset the insuarance is paying for itself. As force an inforce. I have a mass mutual policy that I pay $5k, in 2008 my guaranteed cv went up $6k, that’s 20% cash to cash. What else did that is 2008. And oh I got a dividend so my real cv went up $7500!!!! Nice try!!!
@eline65 Oh bugger! I can’t type for squat. I missed a couple words in all my editing and re-editing. …in force for many *years*… … Please *stop* comparing apples….
Fupid lysdexic keyboard
@insurancemike10 Didn’t you try to make your argument saying reality is that the real return of the market is not good? Now your giving me projections based on an illustration of a WL policy? you need to look at a real policy in force for many and see what the actual CV growth is. Please comparing apples to lemons. p.s. 4800 is not equal to 2600. & 3yr prems=7200
Back to the question. What happens to the cash value when the insured dies? the face value is paid but the cash goes…..?
@insurancemike10 you are such a fool mike
@insurancemike10 why are you posting about life insurance returns???
@insurancemike10 hey mikey why do you work for a company that has 33 class action law suits against them??
@eline65 Wrong again tool. I just ran a whole life illustration and my guaranteed cv grows 2600 for that 2400 premium you just quoted. Oh that happened in yearr 3. So basically I paid 4800 over two years and after that my account grow by more than premium every year on a guaranteed basis. And on with projected divs it gets even better. Nice try
@insurancemike10 You know you make HUGE commisions on whole life. Fact is I’ll make more money, and more for my bene’s w/ my own investments and get term in the interem
@insurancemike10 W/in the policy CV is not taxed, that’s true, but if you want to take out the cash (surrender) there are tax implications in earnings-premiums are taxed (IF it by chance becomes more). Waiver of premium is an ad-on and while it’s not that much, you still have to opt-in for it. yr 4 exceeds? More like in 4 years or so you start to see something there. if policy prem’s are 200/mo. You for sure will not have >$8K. Maybe $1K
@eline65 You know zip about whole life. Forget you.
@eline65 I guess you failed your life exam. All values within the p
policy grow tax free. Insurance 101. As for waiver I have no idea where you learn this from but full premiums are waive for the length of the disability. Stop spreading lies. And your cash will exceed premiums in year 10. By year 4 your increase in cash exceeds annual premium.
@insurancemike10 – Well it seems I’m psrtially wrong on the law. Idon’t think it’s US law, It’s state laws that set minimum cash values. As to your WL never missing a guarantee, I didn’t ask about the face value of the policy. I asked about the cash value that’s accumulated inside of the WL policy. When the insured dies, what happens to that cash value? Where did the “investment” go? Oh wait, it’s against the SEC rules to say life insurance is an investment!
@eline65 You are nuts – act of congress? Congress LOVES life insurance – attend an AALU meeting and support your industry’s lobby!! Maybe you’ll learn a thing or two. Whole Life has NEVER miss a guarantee, NEVER – this is fact.