Posted by JDseller on March 13, 2012 at 07:29:21 from (208.126.196.144):
In Reply to: OT Metlife posted by Stephen Newell on March 13, 2012 at 05:09:37:
Dump that life insurance policy unless you have health issues that make getting a new policy impossible. Every one of these policies I have ever heard of always run out of money. The premiums and fees eat up any earnings. The insurance company controls the earnings and fees. So do you really think that they are going to leave you any money??? Whole life insurance is always a rip off. You can buy straight term insurance for half as much money. Plus the fees on term life are much lower as well. Then just take the premium saving and invest it.
Remember that your agent in NOT your friend in this. He gets a cut out of each premium you pay. An the percentage is higher for whole life and repaid policies. Most agents retire with income for years from these life insurance policies.
I have a GOD daughter that is an agent. She got fired from a company for not selling enough life insurance. She sold half of the auto insurance they sold but the owner wanted MORE life insurance sold because he was just a few years away from retiring.
She now has her own agency and has taken about all of the old agent's business. He now has money issues. What you seed in life come back to you.
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