The company is excellent, the concept "menza - menza"
Cal Lester CLU


davma wrote:
- quote -

If you don't want the product and insurance salesman won't work with you,
then kiss him good-bye.

Work with either an independent financial planner or insurance producer.

If they are good, they will work out a needs analysis for you, it is not
very involved but if what you are getting is x salary for y years, that's
incomplete.

Good luck

Does anyone have any experience with this company?

Strong ratings based upon my due diligence thus far.

Based upon our needs analysis, we are specifically after Term - not
Whole Life. The diff. in premiums will be invested monthly into our
favorite low cost mutual funds. Can't convince an insurance sales rep
this is our best course of action since that individual sees commission
in the eyes.

Recognizing there are good & bad stories about every company and product
on the market, any feedback is appreciated.

Thanks