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Re: Whole Life vs Term Insurance
Posted by: basspig
Video duration: 116 seconds
Global video hits: 34269
Clarifying the differences between Whole Life, Universal Life, and Term Life Insurance. PLEASE NOTE: I am an engineer, video production specialist, not an insurance salesman or expert on the field. What you see in this video is information presented to me by Primerica training, when I had a brief stint with them in 2006. I do not claim this information as necessarily accurate.
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Latest comments made on this video:
By: bond519. on 08 Sep 10, 02:16:03
@insurancemike10: 85,000 reps? Well you lied again IllegalMichelle. You are so stupid. Do you know why none of your other cronie crooked agents don't come to your rescue and back you up? It is because they have more brains than you, They have more balls than you, They definetly have bigger dicks than you. ( of course a fricking amoeba has a bigger dick than you and you have to use a microscope just to see the whole Amoeba so its dick must be really small but still bigger than yours). LOL.
By: jgilles85. on 08 Sep 10, 01:44:13
@bond519: LOL!!!
By: bond519. on 08 Sep 10, 00:30:11
@insurancemike10: Well IllegalMichelle that is 2 times today that you lied enough to get put out of business. Do you want to try for 3? You see you stupid fricking whole life crooked idiot. You are so fricking stupid that you don't even realize that if we were accross the kitchen table that you would already be in Jail by now. Good God if brains were gasoline you wouldn't have enough to power a gnats minibike around the inside of a Fruit Loop. Of course you are a fruit loop also.
By: insurancemike10. on 08 Sep 10, 00:11:01
@jgilles85 Wow one rep out of what 85,000 part time agents and full time tools? Wow very impressive
By: insurancemike10. on 08 Sep 10, 00:10:17
@bond519 Oh please stop - the series 6 is what you have, yeah you have the state test, what is that the 60 or something - bottomline is all you can sell is mutual funds and variable annuities and life.
By: jgilles85. on 07 Sep 10, 22:31:20
@bond519: IllegalMichelle is all of the above; wrong, lying, and just plain illegal! IllegalMichelle assumes that all Primerica reps are only series 6 licensed, when we recently hired someone who has a series 7. Shows how much IllegalMichelle knows!
By: bond519. on 07 Sep 10, 21:16:57
@insurancemike10: First of all who would want the title of financial Planner when all of the financial planners are crooked as hell. Second of all Michelle I have more than a series 6. Don't you ever get sick of being wrong? You are either wrong, lying, or just plain illegal every time you post.
By: jgilles85. on 07 Sep 10, 20:52:42
@insurancemike10: IllegalMichelle is at it again! I guess I'll have to call the orderlies and let them know the nut house patient who makes up stuff is back on yt!
By: insurancemike10. on 07 Sep 10, 15:35:02
Jgillie gaffe number 1217 - He now states that the Death Benefit on Whole Life is taxable!!!! Where did you get that one toolboy?
By: insurancemike10. on 07 Sep 10, 15:23:03
@jgilles85 What does "Dipleates" mean? Is that like "Broaker" or "gearred"
By: insurancemike10. on 07 Sep 10, 15:21:54
@bond519 He CAN:T have the title of Financial Planner as he does not qualify for it. HE's ONLY Series 6 licensed and that does NOT allow for him to use that title. He's a liar
By: bond519. on 07 Sep 10, 09:06:18
@rcdrury1: Well I didn't go back and check but if I am not mistaken you said that you were not an agent! Another lie. You see this is the same kind of twisting crap that you think is Ok. So big fricking deal that you have a Title of "Financial Planner" that makes you the worst kind of "AGENT" because that is all you are is a glorified agent. You still sell crap insurance and you are far from being a true financial planner because you don't plan for the customer, you screw the customer.
By: jgilles85. on 07 Sep 10, 07:06:24
@rcdrury1: Are you fricking kidding me? "Unless of course UL it's the best? solution for one's financial objectives, which it often is." What?! UL is by far the shittiest life insurance there could be! When is it good for someone's financial objectives to have a renewable term with a CV and the CV eventually dipleates and loans are taken out to keep the policy in force! Lowering the DB and counting as earned income that requires taxes to be paid! How is that good for anyone? Holy shit!
By: rcdrury1. on 07 Sep 10, 04:35:27
@bond519 I never said I wasn't licensed to sell life insurance. I'm a financial planner. I know that sounds like a semantic difference to you. It's not, but you wouldn't know that; you're a Primerica agent. (Oh, pardon me - "financial advisor.") Have fun in the sandbox.
By: bond519. on 07 Sep 10, 03:11:14
@rcdrury1: Well if you couldn't be happier then you don't have a clue of what happiness is. Sorry but you just proved yourself to be a liar. How can you sell a VUL if you are not an agent? Huh? I have to go also. It has been fun.
By: rcdrury1. on 07 Sep 10, 03:08:31
@bond519 Never sold a WL policy in my life, but still maintain they have their place. I did, however, buy one; and I couldn't be happier with it. I've done amazing things with VUL that nothing else can touch. Been fun, but I have to pick my daughter. Caio.
By: bond519. on 07 Sep 10, 03:05:21
@rcdrury1: Really? Got that covered too. Opps just another crooked excuse that bites the dust. Who is in the sand now? Look out for the PFS ants that will climb up your leg and bit your ass.
By: bond519. on 07 Sep 10, 03:03:24
@rcdrury1: Is that what you think it is? What is the matter, can't take being put in your place? Because that is exactly what just happened. You asked and I told you. Besides that. I think you are lying about your Dude that supposedly got asked to come back to Primerica. You are a supposed Financial Advisor that is nothing more than a glorified Whole life agent and all you can say is " is that the best you can do"? Well it cans what kind of shit you are selling but you can't admit you are beaten
By: rcdrury1. on 07 Sep 10, 02:58:50
@rcdrury1 I'm a big believer in FIAs too, but not for this purpose. The tax consequences at death are brutal.
By: rcdrury1. on 07 Sep 10, 02:56:04
@bond519 An annuity? Big deal. Still doesn't answer my question. Is this the best you can do?
By: bond519. on 07 Sep 10, 02:53:25
@rcdrury1: A customer received an inheritance and wanted to protect the money. I helped them with a program (not Permanent Insurance) that has a guaranteed return of 5% and can get market returns. But it also will give them a guarantee on the market highs to maintain the high of the year for life. See. it is a no loose product for the client and I don't have to screw them with Permanent insurance. So if you don't know how to do this then maybe you should go back to learn how to be an advisor.
By: rcdrury1. on 07 Sep 10, 02:46:04
@bond519 Did what exactly?
By: bond519. on 07 Sep 10, 02:43:57
@rcdrury1: Ha Ha. Spoken like a true crook. Well if it can't be done then how did I just do it for a customer last week? HMMMMM Looks like you are wrong again. It is very possible and very real. Maybe you should stop focusing on selling crap and do what is right for the customers. Wow. What a concept. Permanent Insurance has always been a rip off. Always will be a rip off and anyone that says otherwise is either an uneducated idiot or crooked.
By: rcdrury1. on 07 Sep 10, 02:32:23
@bond519 I believe that YOU don't know. Why? Because NOBODY knows. Why? Because it can't be done. That's what a REAL advisor knows.
By: bond519. on 07 Sep 10, 02:26:00
@rcdrury1: If you were truly a financial advisor then you should know. Maybe you are not an advisor at all? A true advisor would know. I know, Primerica knows, I am sure Suze and Dave know also. I just find it amazing that the only ones that don't know are the crooks that sell permanent insurance. Isn't that amazing.