http://hinermangroup.com/blog/2007/03/02/return-of-premium-term-insurance-a-perfect-fit/ Who do you trust in Life? Tue, 06 Jan 2009 19:08:12 +0000 http://wordpress.org/?v=2.6.2 http://hinermangroup.com/blog/2007/03/02/return-of-premium-term-insurance-a-perfect-fit/#comment-23023 Hinerman Mon, 10 Nov 2008 13:20:02 +0000 http://hinermangroup.com/blog/2007/03/02/return-of-premium-term-insurance-a-perfect-fit/#comment-23023 Ok, whatever. Why would a healthy person accept a higher rate that they will be paying for many years just because it is slightly easier. At that age paying $122 a month is just as stupid as watching a commercial about a duck. Ok, whatever. Why would a healthy person accept a higher rate that they will be paying for many years just because it is slightly easier. At that age paying $122 a month is just as stupid as watching a commercial about a duck.

]]> http://hinermangroup.com/blog/2007/03/02/return-of-premium-term-insurance-a-perfect-fit/#comment-23012 Brent Sat, 08 Nov 2008 23:19:06 +0000 http://hinermangroup.com/blog/2007/03/02/return-of-premium-term-insurance-a-perfect-fit/#comment-23012 not sure where you got your rates for Aflac products but using the info you gave for a 25 and 31 even for tobacco rates its $122/month and that's adding the accidental death rider that doubles it in the event of an accidental death. its $60/month for non tobbacco rates ... I'm not saying Aflac is the best choice for life for most people but what you have to keep in mind is that its a simplified underwriting product. There are no tests involved only a few underwriting questions. Its yes or no based on the app so obviously rates will be higher for such a product. not sure where you got your rates for Aflac products but using the info you gave for a 25 and 31 even for tobacco rates its $122/month and that’s adding the accidental death rider that doubles it in the event of an accidental death. its $60/month for non tobbacco rates … I’m not saying Aflac is the best choice for life for most people but what you have to keep in mind is that its a simplified underwriting product. There are no tests involved only a few underwriting questions. Its yes or no based on the app so obviously rates will be higher for such a product.

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