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In Reply to: Re: Re: Re: Re: FORGET A MESSAGE BOARD AND DO YOUR OWN RESEARCH!! posted by stefan reed on June 18, 2001 at 20:11:43:
Oh, well my apples have more benefits that your oranges! That's exactly what you stated with your term vs cv comparison. You have no idea if, when or why a cv policy is the right tool to use because YOU have not done any research on the topic except what you have heard in PFS brainwashing sessions! How do I know? I'm the one that used to teach those sessions. So here's the facts:
1 - You're comparing apples & oranges. CV is a valuable tool in estate planning! But you wouldn't know about that because you haven't been trained for that. By the way, if (BIG IF) you make it to RVP, you will be able to sell VUL insurance through Travelers insurance, but only if you make it to RVP.
2 - More PFS spew. Interest rate IS important! I can do mortgages with over 150 mortgage companies. I can offer bi-weekly payments and simple interest. Only difference is that I can do it at 6.375% when you guys are doing it at 8%. Now tell me interest isn't important. Why would I get the same loan at 8% when I can do it at 6.375%? Hmmm, tough choice!
3 - Post proof of that statement. That is an outright untrue statement!
You talk about "documented sources" and post crap like this? (#3 especially). Get real! You are the one posting undocumented, unverifiable PFS spew.
: wow. you're educated. let me explain a couple of things. 1) price is only an issue in the absence of value. our term has more benefits than most cash value policies. but i'm not gonna win this one. you haven't done any research on the topic except in your own opinions. 2) if you think it's the interest rate that's the most important thing about your debt, then that's probably why you're still in debt. 3) part-time people have jobs so they don't have to rely on screwing people over for phat commission checks. part-time people already have solid income so i would trust someone with nothing to lose than trust someone who is betting on a sale to pay their car payment. 3) another reason i know you did absolutely no research is the simple fact that primerica does more business for their sister companies than they do for themselves. so, like i said... go do some research and come back with legit numbers and facts. if you can prove that primerica is a bad company than i'll listen to any evidence you have that is from a documented source. this childish "your-company-sucks-cuz-i-said-so" argumemt doesn't hold any water.