I have a client of mine who's trying to get $100,000 DB. someone proposed to him to get a John Hancock ROP iul that it will add on to the death benefit. I'm fairly new at this and that sort of stuff seems too good to be true for me. also, it's set to be around $5800 annually for a standard rating. it's guarantee for five years at 0%..is there another company that would be better for him? does that mean after 5 years he gets all his money back? anything would help! I'm from NY by the way
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