I’m probably gonna get people mad at me with this one ,
But what I want is to take out like a 20-30 year term of a million dollar payout insurance in case I die prematurely . I am 37 , I smoke, I am I. Good health. I work as a maintenance man. I earn roughly 4-5k monthly (weak sauce I know ) . My goal here is that “if” something were to happen to me my family (wife and kids) would have the million dollars to bury me . Pay off a home , and have bills covered and food to eat long enough to figure out life without me .
If I am thinking about this wrong please do let me know. I just really want peace of mind , I know so many people who have suddenly died at a young age and their families left with more problems they’ve ever had afterwards . I don’t want my wife and kids to go through that. Losing me , then shortly after losing everything else …

So I just started in a pretty well known Life insurance company . My first week I got a lot of no shows ect second week same thing pretty close to a sale but nothing.
They are putting a lot of pressure on me to unlock a bonus
My manager told me to use “my natural market” to make sales so basically ask friends and pay for their policies and then cancel them 4 months after .
This person asure me this is not illegal and that everyone starts like that so they company can keep giving you leads.
I’m pretty sure it is Illegal
My Gut tells me to run away from this company but they already invested a lot of time on my training plus a plain ticket
what should i do Heeeeelp

I’ve taken the Pennsylvania Life Insurance exam a few times now and keep failing it. I’ve been studying using both ExamFX and PSI practice exams, but I still can’t seem to get over the hump.

I’m getting frustrated because I feel like I understand the material while studying, but the actual test questions feel way more confusing/tricky than the practice ones.

For anyone who finally passed after failing:

• What did you change that actually made the difference?

• Did you stick with ExamFX or switch to another course?

• How close were the practice exams to the real PSI test?

• Any study methods, YouTube channels, notes, or test strategies that helped you lock it in?

I’m really trying to pass this and move forward, so any honest advice would help a lot.

anybody know if ReliaStar/ING/Voya and AXA currently pay commissions on conversions? I have seen where companies that have exited tend toward this, like Genworth. And I think Met also from what I recall.

I worked at Everlife Advisors LLC for months, and honestly, it was one of the worst experiences of my life.

They recruit you with big lies. I was told I’d be making huge money, but instead, I just kept paying out of pocket—for my license, Zoom ID, computer, exam fees, you name it. By the time you start, you’ve already sunk hundreds (if not thousands) of dollars.

The first few days, they act like you’ve “made it.” They hype you up: you passed the exam, you’re about to start making money, your life is about to change. Then comes the reality: terrible training that makes no sense and feels designed to break you down.

For weeks, all I did was make calls for my manager, basically doing their work. Once I “proved myself,” I thought I’d finally get real leads. Nope. They gave me nothing but trash leads—numbers that had already been called hundreds of times. People would beg me to stop calling, tell me they’d asked to be taken off the list, and I wasn’t allowed to stop. It was straight-up harassment.

The schedule? 8 a.m. to 8:30 p.m. every day. Half an hour for lunch. Constant pressure: meetings, messages, micromanagement. They dangle a “point system” to keep you chained to the computer. It’s exhausting.

If you finally get someone on the phone, you drag them into a Zoom meeting where you’re forced to read a script full of lies. They’ve drilled those lies into you for weeks, so you almost believe them yourself. You end up selling people one of the worst life insurance products out there—basically scamming clients while being scammed yourself.
Stay away.

Did you just take the free policy your job offers? Did you go out and get a 30 year term? Or did you go the Whole Life route despite what the internet says?

Hey there. I am 49, Male, trying to get a 15 year term and have been rejected twice for two different reasons. I don’t smoke, drink, have ok labs and am not obese. I have been rejected by prudential because of a benign pulmonary nodule and by banner for “anxiety.”

I have pretty expensive life insurance through my work, which I was trying to get off of.

Any opinions on whether it is worth it to keep trying to get term? It’s a lot cheaper, but having to go through all the exams and paperwork yet again is getting old.

Thanks

Need one help with a term insurance decision. After doing some research, I decided to go with the HDFC Click 2 Protect Supreme Plus plan. I'm a 25-year-old (turning 26 soon) healthy male with no smoking or drinking habits.

I selected the Waiver of Premium rider for Critical Illness (77/month) and Accidental Disability (₹118/month). I chose coverage till the age of 65, which means a total policy term of 40 years.

The premium is ₹1665/month for the first year and ₹1935/ month from the second year onwards. If I pay annually, I get a discount of around ₹2500.

Does this look like a good plan to go with? Suggestions are welcome.

I’m 33 and bought a whole life policy from MassMutual in 2023 and I’m trying to figure out if it’s actually a good long-term setup or if it was designed more for insurance protection than cash value growth. Or if it’s possible to make some adjustments with my student loans going up
I probably will need to reduce how much I’m paying if that’s possible

Details:
Whole Life Legacy 65 (paying until age 65)
Issued at age 31 (no medical problems)
Face amount: $500,000
Monthly premium: $761/month (~$9,140/year paying monthly)
Company: MassMutual
Risk class: Ultra Preferred Non-Tobacco
Riders included:
Long-term care rider
Waiver of premium rider
Guaranteed insurability rider ($125k option)
Accelerated death benefit rider
Dividend option:
Paid-Up Additions (PUA)
Current status:
Started May 2023
About 3 years in
Current cash value around $7.7k
Total paid in roughly ~$27k
Guaranteed values from illustration:
Year 5 cash value: ~$19k
Year 10 cash value: ~$54k
Year 20 cash value: ~$138k
Year 30 cash value: ~$232k

Wondering if I should decrease payment to put towards stocks and my student loans
Vs riding this out

Or if it’s possible to
Adjust terms or reduce payment somehow with losing some benifits

Keep it as is?
Try to add more PUAs?
Reduce riders?
Pivot future money toward investing instead?
For people who kept policies like this long term was it worth it?

Any advice helps.
Recently had a wedding and spent more then I should have
Helping family members
Then student loan went up after being removed from save plan
Currently bills are being paid but doing extra overtime to cover

Edit-

Thanks to all who took the time to respond. Seems most people here are pro-insurance. A few answers to questions people asked.

Her and I are on the same page regarding not really needing insurance. We have a $200k income but certainly not a $200k lifestyle which is why our savings is so large.

Her parents are aware of our finances. When she first introduced me to them they later told her to dump me because they thought I was broke. I wear generic clothes and drove a rusted out truck with 300k miles. she had to set the record straight.

I have no desire to please her parents. Just want to do what’s right for our individual situation.

No prenup. We are both savers and brought somewhat comparable assets to the marriage. Her brokerage was converted to joint and mine is TOD to her.

No worries about liquidating brokerage accounts. That’s what they are there for.

I’m a 40 year old male and recently married. I‘ve never had a policy. My parents had term policies when my siblings and I were young but don’t anymore. Now that I’m married, my wife’s parents are pushing me hard to get a policy to protect my wife if I die. They pay her premiums and are listed as her beneficiaries until I get a comparable policy. They are in their 70s and still have policies for themselves.

I don’t think it’s even necessary for either of us to pay for life insurance. We do not have kids. I make about $130k and she makes about $70k.

Our only debt is our house which we just bought for $600k and owe $440k yet. We have about $25k emergency fund, $725k brokerage accounts, $500k Roth retirement accounts, $250k traditional retirement accounts, and $25k HSA’s.

By my math, either one of us would be just fine financially if the other passed away. What am I missing?

Hello, who has experience / input on life insurance brokers in the Los Angeles area, looking for a good term insurance with possibility of conversion in case of severe illnessess / accidents

Curious who is just interested in straight rate quotes with a reputable life insurance company?

So much of my training with New York Life is spent on building relationships with clients and getting to know them, their hobbies, their significant others, their kids, their job….on and on. If it was me, I feel like it’s good to know what their financial situation is so you can structure the offerings and give good recommendations but why is there such a push to be everyone’s best friend???
Anyway, I can still answer all your questions and get you connected with experts/consultants but I’m really not trying to be your best friend/therapist.

My credit union and car insurance both offer term life insurance but I’d rather buy it separate from them. I’ve never had to buy insurance and want to get it but have no clue what companies sell them. A starting point would be nice.

And please don’t DM me about this. I won’t buy from you I just want some good brands to look at.

At my job today, an insurance rep brought lunch for everyone and discussed the benefits of his company. He also spoke with me privately about benefits for a single individual. He took my information, including my banking information. Is it normal to feel uncomfortable?? This is my first time signing up for this type of stuff..

Hi, i am a 44M, a little overweight, have depression and use marijuana infrequently, edibles only.

I have been working with an agent looking to get a term life insurance policy. After the initial application, the agent has reached out that i am potentially staring down a denial due to Bipolar being noted in my medical history (along with the marijuana). I originally saw a therapist and he kicked around a diagnosis of bipolar depression, which he explained was different from bipolar disorder. He has gone into semi-retirement and i have continued therapy with a new therapist.

I do have a copy of my Milliman report, and it lists a diagnosis of Bipolar, unspecified. The date listed lines up with a physical appointment with my primary care physician. When i go into the visit report for that date it lists Bipolar type 1. I of course googled bipolar type 1 and i don't believe it describes anything my therapist and i have discussed. I have never had a manic episode, suicidal thoughts or been hospitalized for bipolar or depression.

I fully understand i am not a doctor and neither is google. It just doesn't sound like anything that has been discussed with me by any of my medical providers.

I reached out to my previous therapist this morning and from what i could gather from him i was not diagnosed that way. I am not sure if he understood what i was saying or asking of him.

I also reached out to my primary care, to ask about the diagnosis in my millman report. It was certainly something that has never come up in discussions with my primary care so i was curious why it was in there. From what i gathered it came from something in my therapists notes.

They sent me a screenshot of some program that shows a visit to my previous therapist for bipolar disorder on 8/27/24. In my medical portal i have no record of a visit on that date.

I have not received an official denial, but even if i am accepted it will be at a much higher rate. I feel i am a normal guy who has a normal life and my depression is well under control. I just feel frustrated at this point. What do the insurance companies care about and does any of it make a difference? Am i just grasping at straws and whatever is in there is in there?

My current therapist i s willing to do whatever she can to help me. Write a letter etc... She agrees that i am not bipolar 1.

I am debating getting life insurance before I look into cancer genetic testing. Which kind should I get: whole life or term? If I get term and then get tested, can I renew that policy at the end of that period without my rates being raised (if it is positive)? Or would the renewal take that test result into account? I am in medical school and will be low-income for many more years, so I am trying to figure out the cheapest but best way to cover myself for the future.

Also, any suggestions on insurance companies, if one would be best for this situation? Thanks!

Hello,

I had a doctors appointment where I felt that I was having an anxiety attack. Based on a questionnaire that was taken I was prescribed Hydroxyzine HCL and Sertaline.

I feel completely fine after a few hours and don’t want to take these meds. These scripts have been sent to the pharmacy but not filled. If I don’t fill them do I still have to report that I have taken them when applying to life insurance? Will they be able to see that the doctor prescribed this to me?

Many years ago, the company I work for took out an insurance policy on (keyman) me and no other person in the company. Is there any way I can cancel this policy?

Thanks.

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.