what a liar, whole … what a liar, whole life is not an insurance product and it is illegal to sell it as an investment! term is better, why dont you teach your clients how to invest with an INVESTMENT COMPANY and insure with an insurance compnay
Sideler, so, don’t … Sideler, so, don’t blindly replace a WL policy without understanding it’s current status. Those that sell WL polices seldom replace other companies polices when they come across them with potential clients. They make no money NOT replacing it, but they know that replacing it is not in the best interest of the client.
After all, you are looking out for what’s best for your client, not what’s best for your pocket book, primerica, or misled ideologies and egos.
Sideler, I’ll … Sideler, I’ll explain why. Replacing a 19 year old policy in 2009 is fullish. Had this person started, in 1990, with BTID then they might be better off (it’s hard to say). You have to look forward, from 2009. The CV increase every year is so high at this point that virtually NO other investment can beat it, AT THIS POINT IN TIME. A 0 year old policy in 1990 can be beat by many investments, but a 19 year policy in 2009 can’t. Look at the policies most recent CV increase statement for proof.
Sideler, but I like … Sideler, but I like talking to you so much.
I talk to you, not only for your benefit, but for the benefit of your current and future clients. For instance, let’s say you come across a person with a WL policy bought in 1990, form solid company (NMFN), and the CV has not been touched. Your first instinct as a Primerican is to replace it. But wait, just wait. Your instincts betray you my young padawan. Continued . . .
Sideler, Both PFS … Sideler, Both PFS and NMFN can offer a number of products, but the Bread and Butter of PFS is BTID. For NMFN, it’s LI, with a strong focus on WL.
So, when comparing each companies realm of expertise, we have one company that can literally offer almost any product on the Market and the other can offer about a dozen. And there ain’t much variation in that dozen. Also, that dozen isn’t competitively priced.
One last thing, of the two, one company is rated higher. I wonder which?
Sideler, I’ve … Sideler, I’ve explained how money borrowed from CV in WL policies have worked a number of times now. Why don’t YOU explain it in your own words to I-own-BanterKing? If he want’s my explanation, all he needs to do is look at previous posts. He’ll get a kick out of your response I’m sure.
I never did any work with Mortgages or Auto ins. However, LTC, MF’s, VA’s, HI, EF, and DI (I can’t believe PFS doesn’t sell DI) I’ve worked with.
wodendog: I play … wodendog: I play when I can. I play for fun, I’m not in a band or anything like that. I’m not worried about it being 100% perfect. People request a song & I figure it out by ear, no tabs or any of that crap. Listen you feel 1 way about CV WL & I feel another. We are always going to exsist so you take you beliefs & have a nice day & I’ll do the same with mine. We could go on & on about this subject for years, you write CV LI policies & I replace them. It’s always gonna be that way, whoopdee do.
Sideler, I posted … Sideler, I posted 1,000+ words regarding our convesation, then end with 200 referring to your guitar video. You think that’s a diversion?
So, you “play lessons”? I’ve never heard that before. When I TAUGHT lessons for guitar and bass we referred to it at “teaching” or “giving” lessons.
I’ll give you this, you don’t suck, but you have ways to go. Just remember, other chords exist besides power and bar chords, strings sometimes need to be bent, and pay attention to sour notes, you hit a few.
sideler: How … sideler: How ignorant to think that someone who was in the profession doesn’t know the basics of it? Tell me what you know about loan options on WL insurance….what have they preached to you? Have you ever had to exercise a loan option for a client before? If so with what company? What’s been your experience?
it all depends what … it all depends what your really looking for….coverage or investments. WL is better for upper class, not so good for Middle. Well there’s a lot of differences so it depends what you look for. Idk my teacher told me a whole of info so its a little hard to pack it all in at once…..
wodendog: Go back … wodendog: Go back to school & learn how CV WL policy loans are to be repaid by the borrower. That is the most basic understanding of how CV WL works & you can’t even get that correct. You know how many CV WL guys who are reading your posts are cringing @ the fact that you are butchering up their profession. P.S. all you sold is 1 product with different names CV LI. You couldn’t sell 1st & 2nd Mortgages, Auto ins. LTC, Mutual funds, VA’s, You were limited & you knew it. maybe that’s why you left
wodendog: Nice … wodendog: Nice diversion tactic “I noticed during your “Sunshine of your love” cover that you play the song (with it playing in the background), yet you don’t play the solo.” LOL I play requests, I play lessons, songs broken down step by step & solos. If you would’ve looked through ALL of my videos & not just on my channel page you’d see that, you moron. Still nice diversion from the fact that you don’t know the basics on CV WL policy loans & how they are required to be paid back to the ins. co
Sideler, with an MS … Sideler, with an MS in Bio, shouldn’t you be use to doing actual research. Why don’t you go out and rekindle that love of research and educate yourself on both WL and Primerica. Seriously. Virtually everything you post since I met has been off base or biased.
I also noticed during your “Sunshine of your love” cover that you play the song (with it playing in the background), yet you don’t play the solo. Apparently you like reinforcing your amateur status to all people for all things you do.
Sideler, also, I … Sideler, also, I don’t know if I believe your claim of having an MS. Why didn’t you say that the first time I asked you (when it actually would have been a good answer to my question). I noticed you didn’t make any claims regarding licenses you might have either. I guess now you’ll tell me you have half of them, right?
So, you want me to think you made this jump from Biology to the Primerica? With an MS in Bio, you can do a lot better than Primerica, you know this.
Sideler, it’s not … Sideler, it’s not that I love WL, it’s that I understand it. I worked at a company (NMFN) where I could sell any virtually any product from any company to best fit a clients needs. You on the other hand work for Primerica, where you can only sell a limited number of products (expensive LT) solely from your own company. As a result, I see and understand the benefit of most products, where as you live in a cloud of ignorance regarding the rest of the insurance and financial services biz.
Sideler, what’s … Sideler, what’s both funny and sadly tragic (mostly for your clients) is that I am no longer in the business yet I still know and understand your craft better than you. I don’t think any one person comes on these posts and says more blatantly wrong information than you. Almost every time you post something, one of us has to correct you. Just look at our conversation for the last few days.
Do you still think WL is not guaranteed? Remember that conversation? I do.
Antiwan Dean interviewed by Herbert Dennard about Whole Life VS Term Insurance:Which is the best?
does the …
does the beneficiary get to keep the cash value and face amount ?
what a liar, whole …
what a liar, whole life is not an insurance product and it is illegal to sell it as an investment! term is better, why dont you teach your clients how to invest with an INVESTMENT COMPANY and insure with an insurance compnay
lairrrrrrr… whole …
lairrrrrrr… whole life is a rip off
2 more CV WL …
2 more CV WL policies replaced with BTID this past weekend =)
Get the facts about …
Get the facts about life insurance read my book:
LIFE INSURANCE – The Cause Of Economic Prosperity by Dorlan H. Francis
Its available at most online bookstores.
wodendog: Been …
wodendog: Been there, done that… =)
Sideler, would you …
Sideler, would you replace an untouched 19 year on WL policy from NMFN? Why or why not?
wodendog: You’re …
wodendog: You’re still in here talking in circles? lol
Sidler, Highest …
Sidler, Highest rating for the financial strength of the Company.
Sideler, so, don’t …
Sideler, so, don’t blindly replace a WL policy without understanding it’s current status. Those that sell WL polices seldom replace other companies polices when they come across them with potential clients. They make no money NOT replacing it, but they know that replacing it is not in the best interest of the client.
After all, you are looking out for what’s best for your client, not what’s best for your pocket book, primerica, or misled ideologies and egos.
Sideler, I’ll …
Sideler, I’ll explain why. Replacing a 19 year old policy in 2009 is fullish. Had this person started, in 1990, with BTID then they might be better off (it’s hard to say). You have to look forward, from 2009. The CV increase every year is so high at this point that virtually NO other investment can beat it, AT THIS POINT IN TIME. A 0 year old policy in 1990 can be beat by many investments, but a 19 year policy in 2009 can’t. Look at the policies most recent CV increase statement for proof.
Sideler, but I like …
Sideler, but I like talking to you so much.
I talk to you, not only for your benefit, but for the benefit of your current and future clients. For instance, let’s say you come across a person with a WL policy bought in 1990, form solid company (NMFN), and the CV has not been touched. Your first instinct as a Primerican is to replace it. But wait, just wait. Your instincts betray you my young padawan. Continued . . .
wodendog: Highest …
wodendog: Highest rating in Term?
Sideler, Both PFS …
Sideler, Both PFS and NMFN can offer a number of products, but the Bread and Butter of PFS is BTID. For NMFN, it’s LI, with a strong focus on WL.
So, when comparing each companies realm of expertise, we have one company that can literally offer almost any product on the Market and the other can offer about a dozen. And there ain’t much variation in that dozen. Also, that dozen isn’t competitively priced.
One last thing, of the two, one company is rated higher. I wonder which?
Sideler, I’ve …
Sideler, I’ve explained how money borrowed from CV in WL policies have worked a number of times now. Why don’t YOU explain it in your own words to I-own-BanterKing? If he want’s my explanation, all he needs to do is look at previous posts. He’ll get a kick out of your response I’m sure.
I never did any work with Mortgages or Auto ins. However, LTC, MF’s, VA’s, HI, EF, and DI (I can’t believe PFS doesn’t sell DI) I’ve worked with.
wodendog: I play …
wodendog: I play when I can. I play for fun, I’m not in a band or anything like that. I’m not worried about it being 100% perfect. People request a song & I figure it out by ear, no tabs or any of that crap. Listen you feel 1 way about CV WL & I feel another. We are always going to exsist so you take you beliefs & have a nice day & I’ll do the same with mine. We could go on & on about this subject for years, you write CV LI policies & I replace them. It’s always gonna be that way, whoopdee do.
Sideler, I posted …
Sideler, I posted 1,000+ words regarding our convesation, then end with 200 referring to your guitar video. You think that’s a diversion?
So, you “play lessons”? I’ve never heard that before. When I TAUGHT lessons for guitar and bass we referred to it at “teaching” or “giving” lessons.
I’ll give you this, you don’t suck, but you have ways to go. Just remember, other chords exist besides power and bar chords, strings sometimes need to be bent, and pay attention to sour notes, you hit a few.
sideler: How …
sideler: How ignorant to think that someone who was in the profession doesn’t know the basics of it? Tell me what you know about loan options on WL insurance….what have they preached to you? Have you ever had to exercise a loan option for a client before? If so with what company? What’s been your experience?
it all depends what …
it all depends what your really looking for….coverage or investments. WL is better for upper class, not so good for Middle. Well there’s a lot of differences so it depends what you look for. Idk my teacher told me a whole of info so its a little hard to pack it all in at once…..
wodendog: Go back …
wodendog: Go back to school & learn how CV WL policy loans are to be repaid by the borrower. That is the most basic understanding of how CV WL works & you can’t even get that correct. You know how many CV WL guys who are reading your posts are cringing @ the fact that you are butchering up their profession. P.S. all you sold is 1 product with different names CV LI. You couldn’t sell 1st & 2nd Mortgages, Auto ins. LTC, Mutual funds, VA’s, You were limited & you knew it. maybe that’s why you left
wodendog: Nice …
wodendog: Nice diversion tactic “I noticed during your “Sunshine of your love” cover that you play the song (with it playing in the background), yet you don’t play the solo.” LOL I play requests, I play lessons, songs broken down step by step & solos. If you would’ve looked through ALL of my videos & not just on my channel page you’d see that, you moron. Still nice diversion from the fact that you don’t know the basics on CV WL policy loans & how they are required to be paid back to the ins. co
Sideler, with an MS …
Sideler, with an MS in Bio, shouldn’t you be use to doing actual research. Why don’t you go out and rekindle that love of research and educate yourself on both WL and Primerica. Seriously. Virtually everything you post since I met has been off base or biased.
I also noticed during your “Sunshine of your love” cover that you play the song (with it playing in the background), yet you don’t play the solo. Apparently you like reinforcing your amateur status to all people for all things you do.
Sideler, also, I …
Sideler, also, I don’t know if I believe your claim of having an MS. Why didn’t you say that the first time I asked you (when it actually would have been a good answer to my question). I noticed you didn’t make any claims regarding licenses you might have either. I guess now you’ll tell me you have half of them, right?
So, you want me to think you made this jump from Biology to the Primerica? With an MS in Bio, you can do a lot better than Primerica, you know this.
Sideler, it’s not …
Sideler, it’s not that I love WL, it’s that I understand it. I worked at a company (NMFN) where I could sell any virtually any product from any company to best fit a clients needs. You on the other hand work for Primerica, where you can only sell a limited number of products (expensive LT) solely from your own company. As a result, I see and understand the benefit of most products, where as you live in a cloud of ignorance regarding the rest of the insurance and financial services biz.
Sideler, what’s …
Sideler, what’s both funny and sadly tragic (mostly for your clients) is that I am no longer in the business yet I still know and understand your craft better than you. I don’t think any one person comes on these posts and says more blatantly wrong information than you. Almost every time you post something, one of us has to correct you. Just look at our conversation for the last few days.
Do you still think WL is not guaranteed? Remember that conversation? I do.