Jun 17, 2022
9:26:49pm
9:26:49pm
One way to view it can be
to consider term insurance for limited-term needs (such as insuring against an untimely death before one has worked enough to build sufficient assets) and permanent insurance for permanent needs. In some situations that are expected to exist upon death regardless of age, perhaps something like the need to provide for a permanently disabled child upon death or to pay business ownership transfer related costs upon death, permanent insurance may be a valid consideration. As most others are saying, though, it doesn't make financial sense for the vast majority of people IMO.
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- InlandEmpYre
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I always hear this but never hear those situations, could you or someone else explain a hypothetical where it works?
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Ask him: "With respect to your advice on this whole life policy, are you a fiduciary?" and post his response here.
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The exact commission paid to the agent on the contract should be a disclosed line item on the contract.
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I'm still interested to learn your response to the several questions on this thread about whether an agent acts as a
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