Date: Mon, 26 Jul 2004 15:13:05 CST
From: "Cal Lester" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Universal Life Insurance
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"Ron Peterson"  wrote in message
news:10gad9gcol9f736@corp.supernews.com...
> Cal Lester  wrote:
>
> > Would you NOT have an operation, if you KNEW that the surgeon was
> > getting a lot of money for just 10 minutes of work, and that they
> > remainder of the operation was being completed by hired help ? ? ? ? ?
>
> That's an unfair comparison.
>
> People buying insurance need to have some idea of what the financial
> value of insurance is so that a rational decision can be made.
>
> -- 
>    Ron
>

            Sorry Ron, but I must disagree with you. It IS a fair
comparison.

            The comparison is that the compensation of the Professional has
            little or nothing to do with the end result.
            I do not understand your reference "financial value of
Insurance".
            As I stated, the value of ANY Life Insurance contract is the
GUARANTEE
            of a specific number of dollars at a specific time, usually
DEATH.

            If you are referring to the "cost" of Life Insurance, then I
re-iterate, that
            the compensation of the Agent (and Agency/agencies) is NOT a
direct
            cost to the Insured. They are compensated from the General Funds
            of the carrier.

            The "rational decision" would be made in determining IF there IS
            a NEED, and which of the many forms of Life Insurance would best
            serve THAT particular NEED.

Cal Lester CLU