Not exact matches
But financial products, esp the high - commission fee - loaded stuff the WFG wants to you flog like
variable annuities and Transamerica's «Indexed»
Universal Life (FFIUL) insurance policy, you usually
sell once to a prospect and that's it.
Variable life and variable universal life are sold by pro
Variable life and
variable universal life are sold by pro
variable universal life are
sold by prospectus.
I don't see how it's any different than
variable universal life insurance, but that it can be
sold by a non-registered person.
Variable universal life allows for individual stock fund investments and may only be
sold by someone with a securities license.
Variable universal life insurance policies are
sold by prospectus only.
They
sell both
universal life and
variable universal life insurance plans.
Therefore, under the authority of the SEC and FINRA, Index
Universal Life Insurance can not be marketed or
sold as a «security», «
variable security», «
variable investment» or direct investment in a «security» (or the stock market), because it is not.
Most
variable life insurance policies are
sold as a
variable universal life insurance.
Of the 3 types, whole
life insurance and
universal life are the most common of the policies chosen by most people, and we are actually not licensed to
sell variable life.
Group
Variable Universal Life (GVUL) is
sold by prospectus only.
Most agents representing other companies would rather
sell Universal Life, Index
Universal Life,
Variable Universal Life, and Whole
Life because there is much incentives in doing so without looking into an individuals specific needs.
Variable universal life offers
life insurance and an investment account so the owner can buy and
sell equities.
People may also use
variable universal life insurance, and sometimes
universal life insurance, as a retirement investment as well (though it is illegal for insurance companies to
sell a
universal life insurance policy as an investment).
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Variable life and variable universal life are sold by pro
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variable universal life are
sold by prospectus.
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The
variable universal life policy and the
variable life policies are
sold only by prospectus which you should carefully read.
Posted in accelerated death benefit, conversion, customer service, guarantee, honesty, Independent agent, insurance,
life insurance Tagged accelerated benefit rider, annual review, close the sale, conversion option, good customer service, indexed
universal life, insurance, keeping you informed,
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life insurance earned bad repuration, no customer service, one bad product to another, open and honest, opportunity to
sell, push to close the sale, total honesty,
universal life,
variable universal life, what's guaranteed, what's not guaranteed 1 Response
Most term
life insurance policies
sold today come with a conversion feature that allows you to convert some or all of your term
life insurance policy to a permanent policy like whole
life,
universal life or
variable life.
Posted in indexed
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life insurance, turn and walk away from Voya, Voya actuaries out to lunch, Voya counter evolutionary, Voya horrible service, Voya
life insurance, Voya lying about lack of profits, Voya pulling all guaranteed products, Voya
selling self serving junk
Posted in guarantee, Independent agent, insurance, insurance quotes,
life insurance,
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sold on a non guaranteed basis, traditional
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There are those, especially amongst agents that
sell whole
life insurance or indexed or
variable universal life insurance, who point to this as «the dirty little secret of term
life insurance».