악성글이나 욕설 , 실명을 거론하거나 당사자를 유추할 수 있는 결정적인 정보로 타인을 비방하는글은 삭제됩니다.
Indexed life was first offered by Transamerica in 1997. Sales of these products were less than a half million that year, and have since surged to $539 million in 2008. There are 34 different insurance companies offering indexed life insurance today.
If it is your intention to educate the public on Indexed universal life, then it is your responsibility to state all of the characteristics , pros and cons of this product so that the reader may form an educated and unbiased opinion.
Though I know that many products that the insurance companies carry are less than perfect, each carries significant value to each individuals personal needs and goals. These companies are designed to survive and it would serve them no purpose to put out products that fall short of individual’s needs. Products are constantly changing and adapting , fine tuning themselves into pretty decent products.
As in any industry, there are a few unethical people who will do anything to make a sale. They sweet talk people into buying things they don’t need or can afford. It’s not the product but rather these kinds of professionals who base their goal on the sale and commission rather than to take the time to really understand their client’s needs. These are the ones we have to watch doing business as the average consumer is easily suckered into smooth talking.
Though I believe that you know your stuff, I am a little disappointed at your continuous bashing , week after week, without giving equal due to the characteristics of the product , which I believe have a lot more benefit than cons.
I do think that you may have had a bad experience with the agency that you were with, but it shouldn’t allow you to put fear into people with over-exaggerated opinions.
By the way, you stated that your friend paid a premium into an index universal life insurance policy 30 years ago. How can that be when the product was introduced in 1997?