I'm looking to write my own whole life policy. Narrowed it down to Penn and Mass Mutual. May need to access loans down the road but not 100% sure. I've read posts that say non direct is just a marketing hype and that the non direct vs. direct argument is pointless. Both illustrate well around 4.5% projected long term IRR. However if loans are taken Penn, being direct, will be lower but Mass IRR will remain unchanged. Any thoughts on why to use direct recognition? Can wrap my head around it. Seems like non-direct is no brainer but what are the negatives of non-direct policy?
Source of insurance-forums.net
Comments
Post a Comment