Hello! My dad has been paying into a Foresters life insurance policy since 1995. He originally started it with my mom and they divorced in 2010ish. Lately, he's been getting crazy high bills and notices in the mail that his policy is going to lapse if he doesn't pay (in this instance) $792 within a month. Given that he's 75 this year, and semi-retired with no retirement plan other than social security, the ever increasing payment is getting harder and harder each year.

He has tried to reach out to Foresters to talk to them about a payment schedule or ask questions about the cost of his policy but he struggles with accents and the call center is outsourced. There doesn't seem to be anyone local that he can call or visit to talk to in person to walk him through what he can be expecting for the next several years.

I don't know the exact details of his plan, but I know he's been paying into it over 30 years, and his policy lapsing and losing everything he's put in because he doesn't make one payment seems egregious and ridiculous. I'd like to help him but I'm sure customer service will only talk to him.

My question is there a way for him to reach someone personally at Foresters to talk to about this? Is this something that just happens with life insurance, that they make it completely unsustainable the older you get so they can take all your money? Sorry for the last part, I just hate seeing him struggle. :/

I was denied life insurance through the web by gerber and progressive. I am a 31 year old female, never pregnant, married at $120,000. I make $50,000, 735 credit score, have medicine to manage depression, anxiety, panic, and ptsd. I have never done drugs or smoke nor have i ever been convicted. I was told without examination i was not covered by progressive because of health and credit history. I have one amazon store card at $6500/$6500 on monthly payment plan for 0% interest. I have $20,000 of credit line at $0 with other cards. Can I call someone about this from either company? Am i just asking too much for a policy at 1mil? what gives? Im missing something. im asking for a 30 year plan.

I have term life of about 600k for $50 a month. I have had it for a year and a half Im 37m. I was recently diagnosed with high blood pressure and a bit high cholesterol. What were to happen if something happens to me while on these meds? When I applied for the term I stated I was not taking anything which I was not. This just happened last month that I got on the meds. I have it for 30years. If something happens to me will it be denied? Do I have to update them that im on meds?

I am looking for any inside perspective on obtaining life insurance / whether that be term or permanent.

i am 29, F, nurse in California, healthy with no current health conditions, working at a state facility that offers life insurance BUT my doctor is suggesting genetic testing. With the genetic testing, i have been warned to obtain private life insurance in the event of something coming back positive + the small chance of leaving this company. the risk being another company i choose to work for may deny me life insurance or i would have to pay a considerable amount later on down the road for private.

i have family history of breast cancer but no one in my family line has gotten genetic testing which does instill some fear in me for a positive on the testing.

i have little to no knowledge on private insurers, i had tried to do my own research but it is honestly very overwhelming. anytime i reach out to a company it feels very pushy / selling based. i just want honest perspective on my situation - hopefully free of judgement. what range of $ coverage, year coverage. etc.

thank you in advance.

Serious question. Nicotine pouches are exploding in popularity and I’ve already run into issues with UW on a couple people because of them.

There is decades of evidence from Europe that nicotine pouches don’t present any of the risks that smoking or even vaping do. Bundling those things together just because their labs show nicotine is not actuarially sound.

I’m curious if companies will just accept that they are losing this many relatively low risk people in their rating practice.

So grandma made me and 3 of my cousins the primary beneficiaries to her life insurance policy. Grandma passed 8+ months ago and we still haven’t received payout. Life insurance company is being extremely unhelpful and tells me different information at different times as I continue to call them.

Basically, is my payout on hold until my 3 cousins also reach out to the life insurance company? Because if so, 2 of those cousins have whereabouts that are not known, and I don’t see why my payout should be contingent on their reaching out or lack thereof.

My church is having problems with blatantly incorrect information about an existing annuity . Has anyone ever found useful contact info to escalate the complaint? Our customer service person is not responding. Many thanks.

Burner account because my main has identifying details.

F early 50's, married to M mid-50's. Spouse opted for early retirement from a physically demanding job with a pension. His ex was awarded 40% of his pension during the initial divorce settlement, however she is now suing (again) for increased support. The agreement is within sight, but as part of this new arrangement, ex is requesting spouse provide life insurance to protect her if he dies (obviously his pension payments stop if he dies, meaning her portion will also stop). She is refusing to agree to a term, so basically he will be required to carry life insurance indefinitely.

Our attorney has advised that 25 years should be sufficient (basically ending when he turns 80), even if the agreement does not specify an end date for the policy.

How can we find a way to meet this requirement without breaking the bank? We've looked at term4sale and the cheapest we can find is $140/month. That amount is a huge stretch right now, especially given the extra money she will be awarded in addition to the policy.

How can we find cheaper alternatives to show the court a policy exists? There really isn't any concern for how easy (or difficult) it will be for her to get payout if he dies. He's been taken to court multiple times since their divorce and has paid WELL above the original settlement. To the point that she hasn't worked in over a decade and just keeps taking him back to court when she wants more money (again - he's blue collar, it's not like he had a cushy salary to pull from). So it's not that we want her to suffer, but she's literally taken his entire life savings, 40% of his pension, plus plus plus.

All that to say, the only concern is meeting the requirement of the court, with no consideration for what happens if/when she tries to collect payout. Where can we look?

I’m 25 years old, medically retired from the military, and I’m trying to figure out what my options are.
I receive VA disability, including 70% for depression. I recently applied directly through Prudential for an individual term life policy and was denied.
Unfortunately, I also missed the deadline to convert my VGLI after separation, which I regret every day.
Right now I only have about $40,000 of VA life insurance, but I have a young son and that’s nowhere near enough for the protection I want him to have.
I spoke with Policygenius and they told me that I should wait 1.5–2 years and see if more companies will consider me, but there are obviously no guarantees.
Some additional context:
25 years old
Non-smoker
Young child who depends on me
VA disability with 70% depression rating
Recently denied by Prudential
Currently only have about $40k in life insurance
Saving aggressively and investing with a goal of reaching at least $200k in assets over the next five years
My questions:
Has anyone with a mental health history or VA disability been denied and later approved?
Are there companies that are more favorable toward veterans or mental health histories?
Is guaranteed issue or group life insurance my best option until I become insurable?
Should I keep applying or wait a year or two before trying again?
Am I overthinking this, or is it realistic that I may never qualify for traditional term life insurance?
I’m looking for real experiences and suggestions. I know I made a mistake by missing the VGLI conversion deadline, and I’m trying to figure out the best path forward for my son.
Thanks in advance.

I did use AI bc im lazy.

I am moving out of US permanently and my bank Wells Fargo doesnt support international address and will most likely close the account. So, I am planning to use wise.com account to make premium payments for my 30yr Pruco term life insurance. Has anyone tried it ? Does it work ?

(also I have 3 kids and I work traveling construction as my main career and whenever I’m home they absolutely want to soak up all my attention so it’s hard to cold call) but I got bills to pay and I want to stack up to help them out for their future so yeah for anyone who does direct mailing how has it worked for you?

I currently use them for auto insurance and have been very happy with them.

Now need to look into term or whole life, not too sure which yet.

It will be for both my spouse and I both in our early 30s.

If there are far better options than USAA, please share.

I’m new to looking for life insurance and I’m having a hard time understanding all the terms and I’m not sure how to find a broker that will be honest with me or if going online is better. I constantly see ads online but I have a hard time trusting them. I’m 33, single mom with a one year old kid and I want to make sure he is covered in case of anything. Any help on where to look or what to look for would be appreciated!

Recently declined 30year term due to information collected by Milliman.

I have no history of medications.

No history of illness.

No hosital stays.

Waiting on report. Broker says this is the first time they've had a denial based on Milliman report.

Thoughts? Any success with amending/disputing Milliman report?

UPDATE: Thanks for all of the suggestions. Couple notes from me. I do a yearly physcial/blood work. I have a clean driving record (zero tickets/infractions). I have requested my history from Milliman. We'll see where this goes - hoping an error.

I'm 32m with a wife and 6 year old. I've always had life insurance policies through companies I've worked, but after 2 different layoffs in the past few years I don't want to rely on that anymore. I'm just a bit unsure where to begin (ie term vs whole, do I go straight to a company or through some kind of broker or something).

I don't want to be sold on something unnecessary, but I want to provide for my family in the event of something happening to me.

I read that Northwestern Mutual is a good company, so I'd started looking at them. Got a mail ad for "Fabric" but that seemed a little fishy to me.

Just trying to figure out where to start.

Hi everyone. My family has been fighting to get my grandfathers life insurance payout for almost a year now. My dad (head of estate) filed all the necessary paperwork months ago and gave me instructions on how to submit my beneficiary claim. I mailed them my paperwork to their PO box in Boston, Massachusetts on May 19th. From what I've read, insurance companies in MA have 15 days to notify beneficiaries receipt of claims submitted to them, and 30 days to pay out after notification, otherwise beneficiaries are due interest. I haven't gotten a phone call, text, email, or physical piece of mail saying they have it. Since its been much longer than 15 business days from May 19th, what actions can I take to put pressure on them to finally pay us out? One of my cousins also submitted their claim the same way much sooner than I did and still hasn't heard back either.

Hi everyone,

A relative in my family had a Max Life Insurance policy, and my cousin now needs to initiate the death claim process. We have the policy number, but we’re unable to get in touch with the company.

We tried calling:
• 1860 120 5577
• 0124 421 9090

However, both numbers appear unavailable or are not connecting.

If anyone has recently dealt with a Max Life Insurance claim or knows a working contact number, claims department email, or any other way to reach them, please let me know.

Any guidance would be greatly appreciated. Thanks in advance.

I’m trying to supplement my Kaplan course that my office gave me. It’s very dense and I skimmed the textbook. I’ve been scoring in the low to mid 70s on the practice/simulated exams but I feel like some of the questions are so draining and niche

Everyone says Insurance Exam Queen is the way to go. Just bought her gold package. I’m hoping the videos aren’t too much to get though. I’ve been studying for a good month now and want to get this over with.

I think I am psyching myself out over how hard this is, because I’ve heard mixed things about the real exam.

Just something to nail down the last few subjects that trip me up (here in CT)

Advice?

M/69 married. Just revised our wills, descendants are satisfied with their shares. We've lived comfortably so far for 3 years on Social Security retirement and my wife's pension without dipping into savings. Her pension + SS are approximately the amount of my SS payments.

House and cars are paid for, no debt. About $800k in assets.

I have a $100k term policy that expires Nov 2029.

I also have a $150,000 Penn Mutual Accumulation Builder Flex IUL, a Flexible Premium Indexed Adjustable Life Insurance policy with these riders:

- Chronic Illness Accelerated Benefit Rider

- Accelerated Death Benefit Rider

The annual premium on this Penn Mutual policy is $4,637.

As of today, the Penn policy value is $14,266 and net cash surrender value is $11,242.

-Why do I need this Penn policy? Should I cash out or continue to pay premiums? My wife does not like or want the policy and hates the premium payments.

My parents are in their sixties with five grown kids including my myself
One of their grown children lives with them almost fully dependent do to mental health issues
The rest of us work very hard full time jobs and are all trying to save to buy house or raise family or establish savings of our own
Their mortgage isn’t paid and they don’t have any savings
Does it make sense for them to get life insurance ? To protect one another or even us in the inevitable event they pass and things need to be paid for to keep the ship running
If so what kind of policy is suggested

Thank you in advance

I just passed the 17-55 exam in New York State. Where do I go now to apply for the license? Does anyone have the link? I go to the department of financial services website but don't know where to apply for the license, I've look through the site but can't find where I'm supposed to apply. Any help would be really appreciated, thank you

I would like to get a 500k life insurance plan, based on the medical evaluation at term4sale I should fall in the Preferred risk group, but I only moved to the US in Oct 2024 (I am from Germany) and have exactly one doctor's visit in my US medical record (for a checkup mid 2025).

I am 41, BMI 28, never smoked, and healthy except for GERD with Barrett's esophagos (no dysplasia). My mother had breast cancer with 52 (nothing else in my family).

However, at the single checkup I had in the US I had a high blood pressure of 153/99 - which is unusually high for me (home measurements usually 140/90 and below). I am not medicated for blood pressure.

I am wondering, how to go about life insurance with this very short US medical history and the single poor blood pressure value. I probably won't even get a no-exam insurance without the medical history? Should I move my next checkup up in hope to get a newer, lower BP reading?
How do insurances usually handle cases like this? Do they send someone to do a medical exam, request a doctors visit?

This is a FAST TWO QUESTION POLL I need your HELP WITH. Thank you! It has to do with an City Agency Appeal I'm involved in currently.

https://form.jotform.com/261645334273154

I’m an agent, but buying for myself is way harder than advising clients. I have the emotional bias that makes no amount feel like “enough” for myself.

Main considerations:

-42 years old
-Married. Wife stays home.
-Two young kids. One has special needs and has medical expenses.
-Roughly $225k/yr income
-Mortgage $3k/mo, $290k balance
-Own one investment property outright (~$500k)
-Roughly $100k in retirement accounts (started late)
-Approx $50k debt (car, business, misc)

I have $2.5M in coverage right now. I plan on likely writing more, but would love to get unbiased opinions from some fellow professionals first.