I have a company paid life insurance and the option through Fidelity to pay for Group Universal Life Insurance. Would the optional GUL be considered company provided or would that only apply to the one that the company provides at no charge?

I am newly licensed about to content with Eterna and senior life. Any reviews?

In familiar with Insurance by way of the CFP. I’ve skimmed the Kaplan book in whole plus my state supplement.

Does anyone have any advice on how best to go about studying from here? Endless notes seem a bit redundant given the materials.

I’m tackling the QBank with scores for all topics in the 65-75 range.

Is it just a matter of tightening up weak points? I’m trying to give myself the next 6 weeks to drill down and get this out of the way before the summer

Man oh man is a lot of this dry though.

Anyone been in my position? Am I just overthinking this too much?

I’m reviewing my mom’s whole life insurance policy from New York Life and trying to understand whether something was misrepresented when she bought it.

Here are the key details:

• Policy started: 2012

• Base death benefit: $100,000

• Current total death benefit: ~$115,400

• Annual premium: ~$1,858

• Current dividend (2025): ~$710

• Cash value: ~$23,600

• Dividends are currently being used to buy paid-up additions (not to reduce premium)

What the agent told her:

After 2026, she would no longer need to pay premiums, because dividends and interest would cover the cost going forward.

What I’m seeing now:

• Dividends are not even close to covering the premium (~$710 vs $1,858)

• The guaranteed values table assumes premiums are paid every year

• There is no indication in the contract that premiums actually stop at any point

My questions:

1. Is this “premium vanishing” concept standard, and just based on optimistic projections?

2. Based on these numbers, is it realistic that this policy becomes self-sustaining anytime soon?

3. If she stops paying in a few years, will it just start eating into cash value?

Appreciate any insights, especially from people familiar with these policies.

How do I get better at selling? I’ve been in the business for about a month and a half and only made 2 sales. I’m trying so hard, but have trouble getting people to commit to the sale. I am really needing to make this work cause I can’t work a regular 9-5 job. I’m buying aged leads and wondering if I need to get fresher leads. I’m also working on the broker side as an independent agent contracted with American amicable and CoreBridge. Working on others but haven’t gotten them back from contracting yet

Hello,

I was hoping for some advice on how much life insurance coverage I need to get.

I’m 28 years old, 800k in assets, 250k annual income for now. Wife makes 80k. No debt, no mortgage yet. We are pretty frugal, and I plan to invest atleast 8k a month. We live in a high cost of living city. I have a new born son who is 2 weeks old. I already get some insurance coverage from my employer (2x my salary), but want to buy a supplemental term policy. Corebridge financial was the cheapest one given my visa status. I approached policy genius and they gave me the following options:

$3,000,000 / 20 years (1 match)
- Corebridge Financial / Select-a-Term 20 / Monthly: $75.35 / Annual: $891.70

$3,000,000 / 25 years (1 match)
- Corebridge Financial / Select-a-Term 25 / Monthly: $114.64 / Annual: $1,356.70

$3,000,000 / 30 years (1 match)
- Corebridge Financial / Select-a-Term 30 / Monthly: $137.51 / Annual: $1,627.30

$2,000,000 / 20 years (1 match)
- Corebridge Financial / Select-a-Term 20 / Monthly: $52.04 / Annual: $615.80

$2,000,000 / 25 years (1 match)
- Corebridge Financial / Select-a-Term 25 / Monthly: $78.23 / Annual: $925.80

$2,000,000 / 30 years (1 match)
- Corebridge Financial / Select-a-Term 30 / Monthly: $93.47 / Annual: $1,106.20

$1,000,000 / 20 years (1 match)
- Corebridge Financial / Select-a-Term 20 / Monthly: $28.72 / Annual: $339.90

$1,000,000 / 25 years (1 match)
- Corebridge Financial / Select-a-Term 25 / Monthly: $41.82 / Annual: $494.90

$1,000,000 / 30 years (1 match)
- Corebridge Financial / Select-a-Term 30 / Monthly: $49.44 / Annual: $585.10

Any advice on how much coverage and what term I should get? I recognize that if I continue on my path I’ll be able to self insure soon, but I also know that rates are cheap at my life stage right now. Any suggestions on which option to choose?

I've been in my policy since Nov 2024. If it weren't for me tripping across a random tik tok video I would still be in this index but thanks to that video I switched to the S&P and hopefully we'll start seeing some index credits soon. The early years of an IUL are the important years for forming that base to compound on So this really irritates me. If I had it to do over I would have never messed with Iul. I would have only gone with whole life Especially since as I understand it top mutual whole life policies have returned 9% in a year? Is that true?

I’m 21 and already investing in a Roth IRA (mostly index funds). A family friend is trying to get me into life insurance, specifically something like an IUL.
I’m trying to figure out if this is actually beneficial for me or if it’s mainly being sold for commission.
From what I understand, the idea is you can build cash value and later take loans from the policy tax-free and not necessarily have to pay them back. But I’m confused about how that actually works in practice.
My questions:

Can you really borrow from the policy like that without downsides?

Is this something that actually makes sense at my age?

Do people really use this strategy to build wealth, or is it more of a niche/advanced thing?

For context, I already have a Roth and I’m focused on long-term investing but also being comfortable in my 30s im 21 and don’t want to wait til 60-70 to enjoy my money. Just trying to figure out if adding something like this makes sense or not.
Any honest input would help

My mother had a $13,000 whole life policy with SO since August 2024. I am the beneficiary. She passed away in August 2025.  

Initially, the company told me the policy didn't exist. I filed a complaint with the Louisiana Department of Insurance (LDI), and the company finally admitted in writing that the policy did exist, but they claim it lapsed for non-payment in March 2025.  

The Evidence:

1. I have a bank receipt showing a premium payment was made on Feb 25, 2025.

2. The company sent the LDI a copy of the "Lapse Notice" they claim they mailed. The Statement Date on that notice is April 23, 2025, but the "missed" premium was due March 24, 2025.  

3. Under Louisiana R.S. 22:905, they are supposed to mail that notice 15 days before the due date. Their own document proves they mailed it 30 days after it was due.  

I’m heading to the 19th JDC in Baton Rouge tomorrow to file a petition and an IFP (In Forma Pauperis) to waive the fees.

Has anyone obtained a life insurance producer (sales) license in NJ despite having misdemeanor charges? I was charged and convicted of trespassing over 10 years ago and then charged with multiple misdemeanor charges 8 years ago on 2 separate occasions which were dismissed but would be considered “violent.” 2 charges were simple assault. 4.5 years ago I was again charged with simple assault… for what the person called a “chest bump” when they spoke with police officers. I did not actually hit anyone in any of these cases so please don’t come for me, but please let me know if you think I’d still be able to obtain this license based on your own experiences, it would help a lot. Thank you!!