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Recently just had our 1st child: Next up, Life insurance! Help please!
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kggonzo
Posted 2/3/2014 12:17 (#3659263 - in reply to #3658617)
Subject: Re: Recently just had our 1st child: Next up, Life insurance! Help please!


Northeast Nebraska and Candelaria Philippines
I'm an agent. Let me tell you about a situation I just started working on for a customer.

I have a customer that just purchased a farm, and took on a million in debt. His balance sheet is solid, but still took on a million in debt. He has NO life insurance at all. He is 60 yrs old and now wants some to cover the debt. Even a 10 yr term is out of this world expensive. This is a reason to consider a permanent product like whole life, or universal life at a young age, or even as in infant.

Most universal life products will allow 0% loans from the cash value.
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