Life Insurance Carriers Don't Care
Life Ins. Carriers Don't Care...
I have been in the Life Insurance Industry now for over 45 years...What I have learned is that your Life Company does not care about you the insured, not at all...
They provide the potential client misleading sales illustrations. These illustrations never project what actually will happen to the policy you are being proposed unless it's a term plan..NEVER....
Once they have you for a client they will decrease the dividend or interest rates saying it is market conditions. Or they can and will increase the cost of term rates inside the most popular plans in affect causing the costs of the plan to go up...
A lot of carriers are now increasing the term charges in their plans so that the older clients can not afford their coverage and will drop the coverage they paid decades for. The carriers are now increasing the cost of converting a term plan so very few conversions or life settlements of these plans can take place...
My point is that the industry DOES NOT CARE ABOUT YOU THE CLIENT...For more information on how we can help e mail us at [email protected]..
Appel Financial Inc. is an Independent Life and Annuity firm specializing in Life Settlements..
As Always All My Best..
Saul L. Appel CLU ChFC 617-610-1898