Thank you, great content. Do the companies you deal with have a good history of providing dividends every year? The flexibility PUA rider seems like you do not have to pay the full premium if unable. Which would be great at times. Is the liquidity to borrow against loan easy to obtain?
Thanks for the comment Robert. Good questions. Regarding company selection, we'll typically recommend the Four Major Mutual carriers. They have a track record of paying dividends for the past 150 years +, but more importantly they have consistently delivered among the strongest actual cash values to policyholders. I've listed them below. - Mass Mutual - Guardian - New York Life - Northwestern Mutual. Regarding Policy, loans, most insurance companies are easy to work with. Typically, a loan will be sent in 3-10 business days from the date requested.
1:40 policy design 2:15 3:10 premium offset 3:45 reduced paid up 5:20 loan 5:50 PUA 7:20 flexible 9:15
Awesome video Steve. Do you know if MassMutual allows for catch up payments with or without going through underwriting again?
Thank you, great content. Do the companies you deal with have a good history of providing dividends every year?
The flexibility PUA rider seems like you do not have to pay the full premium if unable. Which would be great at times. Is the liquidity to borrow against loan easy to obtain?
Thanks for the comment Robert. Good questions. Regarding company selection, we'll typically recommend the Four Major Mutual carriers. They have a track record of paying dividends for the past 150 years +, but more importantly they have consistently delivered among the strongest actual cash values to policyholders. I've listed them below.
- Mass Mutual
- Guardian
- New York Life
- Northwestern Mutual.
Regarding Policy, loans, most insurance companies are easy to work with. Typically, a loan will be sent in 3-10 business days from the date requested.