The person who is the DM in my area for this product, came by and went through the brochure with me. They, admittedly, were not too familiar with the product, and I had a few questions for anyone here who is familiar with it.
It has a Contingent Nonforfeiture built in, but also has a Nonforfeiture as an add on. The only difference I can see is: with the add on it has to be in force three years, but with the Contingent Nonforfeiture, it has to be in force twenty years.
Am I reading that right? Other than that, they are both the same.
They couldn't explain the Loyalty Credits too well.
Source of insurance-forums.net
It has a Contingent Nonforfeiture built in, but also has a Nonforfeiture as an add on. The only difference I can see is: with the add on it has to be in force three years, but with the Contingent Nonforfeiture, it has to be in force twenty years.
Am I reading that right? Other than that, they are both the same.
They couldn't explain the Loyalty Credits too well.
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