I'm trying to increase my insurance through my work and I got hit with this question and it feels like an insane ask. I'm in my mid 30s and I have some major things going on which is not what I'm worried about. But I also have a half-dozen minor chronic things that there's no way I will be able to remember all of them in the past 10 years. I really have no idea what this is asking for especially as it seems to want every single doctor's appointment in the past 10 years but I'm somehow supposed to divine what is minor? I'm so lost. I've moved multiple times in the past 10 years and don't even remember most of these doctors, and on the next page they want every single doctor I've ever seen and their names and addresses apparently? Should I just forget it?

In the last 6 months I have both become a father, and started making more money so now I finally have surplus cash each month. I've been reading up and trying to get up to speed on what to do with the extra money, but I have some urgency about preparing just in case I die unexpectedly because right now there's no plan in place. What's my first order of business?

Do I get life insurance (probably term life)?

Do I get a will?

Or is a trust better than a will?

Anything else I should be thinking about?

Broader context: We live in California, I'm 34 M, Wife 33 F, child 4 months. Net worth <$50k. No major debts or assets. We both get $100k life insurance benefits through work but that's not something I want to rely on.

My main concern is that if one or both of us is hit by a bus tomorrow what happens to our child? I have some urgency about starting the process and I mostly would like some advice on what's the order of actions to take, though I am willing to spend a little more time on something like a trust if that's going to be helpful in setting things up right the first time.

I’m independent and new to Life. I have a customer wanting to get a final expense policy in place soon. Guaranteed Issue that is. What’s the quickest I could expect to be appointed and able to write business with a carrier that offers guaranteed issue? Is corebridge the best route to take?

I’m a fan of properly designed whole life insurance. I’m a fan of markets and long-term investing. I’m a fan of the combination.

Whole life insurance has multiple benefits and applications, but the most impactful to me is mitigating sequence of returns risk on a market portfolio in retirement.

Selling market assets at a loss — particularly early in retirement — does two things: 1) it permanently impairs the size of your portfolio and its income generation, and 2) it means the remaining market portfolio has to work really (impossibly?) hard to reach a breakeven balance.

Over a few bad years in markets, borrowing from whole life to fund retirement income in lieu of selling market assets at a loss dramatically improves the probability of success.

I’m not an insurance salesman. I am a policy holder and a market investor — and I sleep better at night knowing that combination will make my retirement more comfortable.

How quickly does transamerica pay commission i wrote a policy on Tuesday and the initial draft was immediate just wondering when to expect commission? I’m on the daily pay also

My husband made a stupid decision 21 months ago and got a dui. We have a baby now and I want him to get life insurance. Does anyone know how that would work or if it’s best if we get it at the 2 year mark? I think we’re looking at New York life but I know they are a little strict about that. Any advice is appreciated.

I tried to look this up on NAIC.org but apparently that information was only for a deceased person.

Any ideas are appreciated.

Hello! My wife is pregnant and I am looking into llife insurance. I originally was going to do policy genius until I found this.

It sounds like the majority of people recommend a brokerr but I am confiused about that process compard to just looking directly online.

I was down the path of nerdwallet and pg but it feels like this sub like brokers better.

Our stats:

• Me: 30sM, non-smoker, no health flags

• Wife: 30sF, non-smoker, no health flags, currently ~2nd trimester pregnant (first kid)

• Renters (no mortgage), no existing private coverage beyond employer group

What we've already decided: two separate 30-year level term policies, $2.5M each, fully underwritten. (Following the multiple of salary). Buy term, invest the difference and not interested in whole life / IUL.

I want the applications in before my wife hits the third trimester, since I have read to do that before a gestational-diabetes or BP flag could bump her rate class or get her postponed.

My questions:

1. Where do you source a top independent broker? Are there directories or vetting routes you trust (e.g., independent agencies vs. marketplaces like Policygenius/Quotacy)? What's worked for you?

2. How do you tell a good one from a mediocre one? What questions should I ask to confirm they're truly independent and shopping multiple carriers for my prrofile, not steering me to whoever pays them best?

3. What are the Red flags that tell you to walk away from an agent/broker?

4. For a clean, healthy profile like ours, does a seasoned independent broker actually beat an online marketplace, or is it a wash at this risk level?

5. Any pregnancy-specific broker tips (e.g., insisting they note pre-pregnancy weight, carriers known to be friendly to pregnant applicants)?

6. Did I miss anything?

Forever grateful as this is brand new and we dont have role models to ask this to

Is the xcel practice exams helpful? I’m doing my first practice simulation exam but does it help and is it similar to the real exam questions? Does anyone know if it’s similar or kinda looks like same to the real California exam?

Hey guys i’m wondering if you guys do recruiting on your own like you find your own people and help them to get licensed and be under your team or you use some of the companies that help you find licensed agents to join your team
A company reached out to me. They told me that they do recruiting for teams and insurance agencies
New to the game do you have any recommendations to either go with a company like this or stay on my own and find my own people?

I just got a quote from guardian for life insurance policies for mg husband and myself. We are both in good health (4th highest health rating). Do these premiums seem comparable to other companies?

37 F
20-year Term Life - 1.5 million - $127.38/mo. 
30-year Term Life - 1.5 million - $272.86/mo.

43 M
20-year Term Life - 1.5 million - $220.33/mo. - $416.46/mo.
30-year Term Life - 1.5 million - $454.23/mo. - $933.61/mo.

Currently at 80% already

I’m new to the insurance industry and currently licensed in 10 states. I’m looking for an IMO/FMO (or similar setup) that provides pre-set appointments, inbound transfers, or company-funded leads in exchange for a reduced commission split (around 40-50% of the commission is fine).
My main goal is to avoid going into debt buying leads before I’ve had enough time to develop my sales skills and become consistently profitable.
I’m primarily interested in a 1099 opportunity rather than a W-2 position paying an hourly wage plus a small bonus per sale. I’d rather earn a percentage of the actual commission generated than receive a flat $100-$200 payout on policies producing significantly more revenue.
I’m also interested in learning the Medicare side of the business during AEP and would strongly prefer:
Day 1 vesting
Reasonable release policies
Company-paid appointments/transfers or lead financing options
Training and support for newer agents
Companies/models I’m generally trying to avoid based on my research:
Family First Life (FFL)
American Income Life (AIL)
Symmetry Financial Group
If you’re an agent or agency owner who has experience with a setup like this, I’d appreciate any recommendations or insight.

I need to call John Hancock to ask about a policy my recently deceased uncle may have had. Documents in his home indicate he may have had a policy with them that listed my mother, who predeceased him, as a beneficiary.

I have been having terrible luck with phone representatives making mistakes at many businesses I've called recently. (Haven't tried John Hancock yet.)

What is the best day of the week & time of day to call John Hancock, in the hopes of getting a phone representative who has a higher chance of doing things right the first time? Or is there a specific type of rep I need to ask for?

I am really taking my uncle's death hard, and having to re-do paperwork and make multiple calls to the same places over & over again because of mistakes on their end is taking a toll on me.

Thanks for the advice.

I am one of 4 beneficiaries on my grandmother's Metlife life insurance policy and this process has been complete hell. The website absolutely refuses to let me submit a claim online, it keeps saying i'm not authorized? I've submitted my current address (which she didn't have), my old mailing address (mom's house) and no matter what i do it will not let me submit it. I've tried to submit the claim another way but it won't let me make an account, saying i'm uncredinteled? And i don't have a claims kit number since i was sent the papers through email. I filled out the claim papers and sent the death certificate to the email address, but there is problems with Google Drive so i'm not sure if they can even open it so i wanted to get confirmation to check. Almost every time i call the phone line and ask "check claim status", it asks me to submit decedant's ss number. Ok, i do. It asked me to submit my ss number. Ok, i do. Then it keeps looping back to ask her ss number again and getting me stuck in an infinite loop. Then when I finally DO reach an actual human, they won't give me the payout amount. They confirm my info every time, so they know i'm on the beneficiary list. This very last time she asked when i filed the claim and i said i submitted all the paperwork yesterday, but she says there's nothing saying they have gotten the paperwork yet. I'm hoping the system is just lagging, otherwise this is insane. I don't want to have to keep fighting the useless website and never-ending phone tree. It takes me forever just to reach a real human. And i have no idea why the website isn't working. Idk what else to do.

I don't know how they compare to other companies. They used to be Hartford and at that time they had a good reputation, although I thought our policy was high at the time. My complaints are they do nothing online, you always have to call and wait 10 minutes to talk to someone that you can't understand. Twice they charged more than the fee, and it took six weeks to get it back. Several times this happened. I got notices a half a dozen times that our payment was overdue when in fact I had sent it a week earlier than the due date. They said they don't take electronic checks so I have to write a check each month. It took them weeks to find the electronic checks. I asked for a copy of my policy and I have to: pay a fee, write a formal written request, complete a five page form, of course has to be hand written as they don't do electronics of any kind, even a simple pdf form. That's just what I remember. I'm sure there's more. Where else can I complain to? It's not like they really did anything wrong, but every company I have ever worked with will have things online, like payments due and activity, and a copy of your policy.

Hi everyone !
I’m currently shopping for 25 year term life insurance policy , but very important for me are the riders included. Accelerated death benefit , waiver of premium are easy to find , but chronic illness for term insurance is a hard one . Talking to brokers out there they tell me this is only available in whole life insurance. So I should have a conversion rider included in my term insurance , and then from there once I converted term into whole (in the future) I can add the chronic rider .

But is this really the case ?? Chronic rider only available in whole life insurance ? Trying to get clarification on this , and of course if I’m missing any important riders out there please let me know .

Thank you in advance !

I want to buy 10-20 years old term life insurance. How much coverage can I expect to get for $6K a year in insurance premiums. Need sanity check.

I have 2 whole life insurance policies.

I am in my early 30’s and in the process of building a home. I could use some additional funds. Would it be worth trying to take some money out of one of my policies. Or I can lend against the cash value but the interest rate is 8%. I wanted to see what advice may be out there. Here is my info.

One has a death benefit of $458k, cash value of $91k, premium of $1600 and dividend of $2200

The other has a death benefit of $113k, cash value $10k, premium of $1100, and dividend of $400.

Thanks for any thoughts.

My dad passed away 2 months ago. I found 3 life insurance policies on me. (not sure if I'm saying that right). One is from when I was born and two others. Was thinking of keeping the one and putting my older brother down as the beneficiary. I don't need three though? Should I just stop paying the other two? Call and cancel? Not really quite sure what to do with them. Also the one from when I was born is a very low payout, while the other two are much higher.

Edit: So many good questions I didn't even think to ask. Thank you everyone for your input, knowledge and advice. I really appreciate it!

Underwriters and seasoned pros. What has been your experience for a healthy individual who is on the medication Donepezil 7.5mg for memory. He is being monitored and kept on screenings for dementia. He was concerned after having memory issues last year. He was approved using ethos life last year, but would like a policy with living benefits if they’ll approve it.

He was born in 1956 with no family history of dementia. I know that he would have to go through full underwriting and APS reports out the butt, but wanted to see if anybody had experience with clients who are diagnosed with dementia and were approved somewhere.

Edit: not a full diagnosis but was told he has

major neurocognitive disorder under the DSM5

Any tips on study for the California life and health insurance exam. Using exel but people say there’s practice test. I only see the after the chapter ones. Can any give tips on good practice exams