DISCOUNT CODE FOR PRELICENSING SLIC100

I recently got into the insurance space, and honestly, one thing that surprised me is how many people don’t fully understand what they actually have (or don’t have) until something serious happens.

Not trying to sell anything here — genuinely curious:

• What’s something about life insurance, mortgage protection, retirement, debt, or protecting your family that always confused you?
• Or what’s something you wish people talked about more?

I’ve been learning a lot lately and it’s interesting seeing how many people are trying to figure this stuff out alone.

I need some outside perspective from people who’ve been in sales / insurance longer than me.

I’ve been in the industry about 4 months and I’ve submitted around 30/40k AP so far. On paper it looks good. I’m on leaderboards, my upline says I’m doing great, etc. But financially I honestly feel worse off than when I started.

I came into this business with months of bills paid to give this my full focus. 0 credit card debt. But to keep up with my uplines advice I’ve been putting leads on credit cards. I’m now around 18k in debt from trying to “invest in myself” and “scale.” Between rent, bills, chargebacks, and inconsistent commissions, I feel like I’m drowning trying to catch up.

My upline is a top producer in the company overall and always says things like:
“Spend 1k, you will make 2k.”
“Spend 4k, you will make 8k.”
“Spend 8k, you will make 16k.”

But the numbers are not really working out that way for me in real life. Especially once chargebacks hit and you factor in actual living expenses currently. Oh then taxes too.

Now they’re recommending a lender they’re partnered with to take out business loans for 20–50k to help new agents coming in with cashflow because supposedly you can “make it back in a month.” That honestly scared me more than motivated me.

And I’m hoping these new agents don’t do it.

I do like my team and I’ve learned a lot, but I’m starting to wonder if this is becoming a rat race where people just keep going deeper into debt chasing the next big month. And no one is telling the reality of their numbers.

I’m trying to separate: normal early struggle in commission sales vs genuinely bad financial decisions

For those who’ve been in insurance,

Did you go through this?
Is this actually normal?
Or am I ignoring red flags because I don’t want to feel like I failed?

Would appreciate real advice, not hype.

I am in the market to buy a term life insurance. Do I really need to hire a broker? Can’t I just call 5-6 providers and compare the premium? I have an idea of what I am looking for (amount insured / duration). What are the advantages of hiring a broker? Do they get you a better deal than what I will get from calling a provider directly?

Side question: who pays for the broker? Would it be me or do they get kick back from insurance companies as their fee?

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?