Common objections to this concept can be summarized as (A) high costs in starting up the policy, (B) high surrender charges, and (C) alleged greater returns on other financial products.

Often times many agent’s objections are based upon a MISUNDERSTANDING of this concept, misinformation, or for the newer agents entering the industry, some times they are simply brain washed to sell “one size fits all” financial strategy promoted by their leader or guru in the best interest of the firm they represent for the economics.  In truth, the PBC strategy can be used with other financial products, other than participating whole life insurance, however, participating whole life just happens to be the superior financial products for implementing the Personal Banking Concept.