Dave Ramsey on life insurance
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Dave Ramsey on life insurance
November 23rd, 2009 · 25 Comments · whole life vs term
Tags: and·buy·difference·insurance·invest·life·primerica·Term·the·univeral·variable·Whole
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13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 6: Primerica doesn’t offer Disability Insurance (DI). The odds of an adult American becoming disabled before retirement are 1 in 5. The average length of long term disablilty is 2 years. That means that the odds of utilizing a DI policy are far greater than utilizing a term LI policy. Even Suze Orman and Dave Ramsey highly recommend DI. Yet, Primerica doesn’t offer it, when much of its competition does.
i don’t get it ,in …
i don’t get it ,in one of your other posts you were saying that pfs reps don’t understand “MARCO-LEVEL APPLICATIONS”i have never heard of “MARCO” PLEASE EXPLAIN WHAT THIS IS.
13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 5: Primericans have no clue about the macro-level applications of WL insurance. Banks, Corporations, the upper middle class, and the wealthy buy billions of dollars worth of Wl every year for good reason. Primerica’s parent company, Citigroup, bought billions of dollars worth of WL for its employees. In other words, Citigroup gets the best of both worlds, it has Primerica selling Term LI, while citigroup itself buys WL.
this is what i know …
this is what i know for fact !!!! my name speaks volumes.
my name says it all …
my name says it all !!!!
Bond: I’m sorry, …
Bond: I’m sorry, but if you defend Dave so stubbornly, I have to assume you have very bad information (or at least a hopelessly jaded perspective). Even brokerage guys who don’t sell WL know that his investment knowledge is shaky.
How do you know …
How do you know what you don’t know? hmmm….
wodendog: I know …
wodendog: I know that your opinion is based on your own personal information. Some agents fill the image that you submit but many don’t. I am not grossly misinformed.
IOWNBANTERKING1: …
IOWNBANTERKING1: Well I guess that your opinion holds just as much weight. Yeah, good luck with that.
13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 4: Primericans generally have no idea how insurance works at other companies. Even term products from other companies is a mystery to them. Having a primerican explain Whole Life insurance is like hearing a communist explain capitalism (everything is biased and wrong). Primericans are grossly misinformed.
13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 3: The few LI products Primerica offers are not particularly cheap. If you check on-line pages that compare life insurance (winquote . net), you’ll find there are many cheaper options for most product comparisons.
I don’t think he …
I don’t think he knows he’s misleading the masses. I don’t think it’s a character issue with Dave. I just think he doesn’t know what he doesn’t know.
13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 2: The few Li products that PFS does offer have little depth. They pretty much only offer level term. There are a number of other tyoes of insurance that are often better fits than level term.
13 Reasons why …
13 Reasons why Primerica is Sub Par
Reason 1: PFS agents are captive, meaning they can’t sell products from other companies. There are thousands of LI products of the Market. PFS offers less than 10.
In whose opinion? …
In whose opinion? Yours? Yeah that holds weight!
Why is he a joke? …
Why is he a joke? Because he exposes the twisted life insurance industry? Dave is right.
what a joke this …
what a joke this guy is. amazing what people are willing to do for money. misleading the masses.
WLWeller: Dave …
WLWeller: Dave doesn’t assume anything. He backs up his information with facts and truths. Anyone that would say that he gives advice on assumptions seems like a very ill informed person on the teaching of Dave Ramsey.
Wirehead: Your …
Wirehead: Your advice is the dangerous advice. Maybe you should actually do like I did and go through one or more of Dave Ramseys seminars like I have. Dave is right on with his advice and he doesn’t worry about kicks from agents like you. You are just like most agents on YT that base your attacks on out of context information.
Dave Ramsey is ok …
Dave Ramsey is ok for balancing a household budget. But this bone head actually said gold is a bad investment and you are better off putting your money in fiat non-backed federal reserve notes that have lost 93% of their value since the est. of The Fed in 1913.
@banterking11-still …
@banterking11-still confused on why you state that he was stalking you,but you sent him a friend request on Myspace? Well, if you deleted the profile, its fine.
like i said i …
like i said i deleted my account , i had too don’t have to worry about avoiding him ,like i said he got chit canned from here for being a GOOF !!
Yes, why not ask …
Yes, why not ask him to be a Friend on Facebook? Myspace is not popular as compared to Facebook.Here is the point, if he is creepy, why not avoid him and not ask him for his friendship on myspace or some other social media? That is confusing.
i am not tracking …
i am not tracking him, the guy was stalking me ! dude was whacked and creepy! he had some mental challenges .
facebook?
facebook?