The Cheat Code To Buying Life Insurance 🔑

[vickdabooproductions]

I put a term on myself with the ROP and plan to get a whole or IUL for more coverage

[YouEsqEnt]

Damn! Cut off right at the good part lol 😆

[awesomeness]

Lol my insurance agent actually recommended this policy to me, its only 80 dollars a month, so its a savings for the future

[AnoniOwl]

Call me creepy, but I can't look away from his eyes. They're so pretty.

[ryanpaulmarcoux]

Problem with this is that, like any other insurance structure, the clause will come with premiums matched to how the payout is structured so that risk is taken into account.

The business would still be betting on you dying towards the end of the insurance rather than the beginning of it (or a structure like payouts being a percentage of pay-ins).

You "benefit" if you either die early so the payout is higher than the premiums paid or if you don't die at all, but you lose value if you die towards the end of the plan.

The added risk to the customer is that when your term is over, you cannot be approved for low premiums on whatever new insurance you sign up for, since you are now higher risk.

[terrencefloyd]

All the insurance company does is over charge you the real cost of the insurance, invest the overage, then they return your premiums and keep the profits. Classic bait-n-switch

[jthomas]

How do I get more information on this.
I have a "20-year" Temed Policy, now.

[ThiikyViiky]

He can't teach me nothing while looking at me imma melt 🥴

[skyemonster]

It’s called a savings account. Does the same exact thing

[celesteap]

What company does that I sell insurance but I have not heard who doest it???

[casianofranco]

The Black Witcher … dude look straight out of a video game … not an insult 🤙🏽🤙🏽🤙🏽

[Just_my_opinion_]

Im sorry i have no idea what you said cuz i was to busy staring at your eyes 😅 ok, second times a charm!

[tylerwehner]

It’s not a cheat code and return of premium term isn’t the only policy that does this.

[ShanicaJ]

Is it tax free once the term is over ?

[wealthyperspectivespodcast]

We love cheat codes at wealthy perspectives 😎

[lindamora]

Why would the video cut off when it was getting to the jewel smh

[Anthony-zwqb]

It is nice but you pay a lot more for it for that 30 year period

[Breeze-gdwj]

Most companies State farm etc do not carry this
And they are more expensive to where prolly not worth it but imma see

[Lauryn_B]

Where is the link to the whole video?.

[strawmummy]

I have term life with AIG and return of premium at 67 years!