Knew he was from the Massachusetts North Shore from the accent.

I could literally prove Dave wrong in a few short minutes. The fact of the matter is that every financial company is different. Most are greedy and low rated with zero to no education given to agents. And a very few are stable, trusted, highly rated companies that can offer better products.

Everything Dave said is contrary to my experience, but I'm afraid he's just too prideful to ever mention Term statistically pays out 2% of the time., and Whole life pays out 100% of the time.

My life has changed ever since I started invésting with Mr Benjamin, this man proved to me that he’s legit and I'm grateful to him for turning my life around for good, finally i can now enjoy my weekly profits and I was able to monitor my account progress and payout was made available contact him via:???????

+1 (845) 747?0050

THANK YOU! This show is saving my family. Many blessings and good vibes.

Donald Trump's on the phone!

Dave Ramsey is correct.

When you buy term insurance and after the age of 80 you get nothing. So how is term insurance any good

My parents told to buy only whole life insurance. When they passed away we received tha actual policy amount of 50,000 dollars plus cash value on top of that. Also my policy also has a 6 percent annuity account.

Thank you Dave!

I've sat down for one of these whole life pitches, and the longer she spoke the more I wanted her to leave. The more she explained the more I thought, no thanks I'll just hang on to my money.

Dave is a Savage ??

Hello shane

Total Ignorance Ramsey!?
I really thought you would have done your homework before addressing a professional insurance agent… You can't place facts with opinions with insurance. ?… Now that you believe in term(temporary)insurance, research the payout rate on term insurance… that should keep you clueless for a brief moment…
Once you become a senior and you reach the ages 75 – 80, there's a possible chance your health is not the same, neither is your income to keep your term policy… your premium will increase drastically… Just Stick with Whole life.
Not everyone is looking for a quick fix.

Whole life guarantees death benefit….be smart buy whole life

So… what's your household income?

No idea what their talking about. But all i know now is to stay away from whole life and buy term.

Nowadays they have to reframe the sales pitch for Whole Life by calling it infinite baking or cash flow banking, junk like that

Been helping families file insurance claims for 45 years and have never seen a whole life policy pay the cash value in addition to the face value. As the caller said, IF the policy is written as such it would pay the cash value. Goes to show you most insurance agents don't write them correctly because there is no incentive to do it the right way. Plus when it is time to collect, the agent is long gone from the insurance business.

The debate about whole life versus term life will probably go on forever. The bottom line is that being in a free country, consumers have the choice. If you like it, you can get it. If you don't like it, then simply don't get it. Different strokes for different folks.

my contract says in black and white that the face value gets paid out IN ADDITION TO any cash value accumulated.