Life insurance sales

What do you do when compliance holds up your policy sale because they realize the person only wants the policy as an investment?

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I feel bad for your client. It’s obvious that you have no idea what you’re doing.

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Some company’s have changed the thought process from a nogo to ok. Mass mutual has a brochure on using WL insurance as an asset class. Metlife had the same thing before it blew itself up. When used properly, WL can be a great place for your fixed portion of your portfolio

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Most companies now allow insurance to be used as an investment. Most actually have material that shows WL as an asset class

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Well, that’s not suitable and no where in the best interest of the client so...

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That is not true at all. If the client is higher net worth and exhausts qualified plan savings then a Perm Life policy is suitable and could be a better supplement that an NQ Brokerage or Wrap.

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Actually it is because the client will get rich off this policy.

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Actually my client is a former adviser and highly intelligent

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