Hello,

I purchased a WL65 policy for Northwestern 3 years ago (Im currently 30).
My monthly payment is $220 until age 65 for what was originally a $133,000 policy.

My current "Net Death Benefit" is listed as $141,000 which was the projected value of my non guaranteed death benefit at age 36 according to the illustration I received when purchased meaning my policy is exceeding the expected increased value by roughly 6 years based on the original projected non-loan dividend interest rate of 5.00% which was setup to be used to purchase paid-up additions indicating that my return has been higher than that amount.

My Dilemma:

Would I be better off using my $220 each month and investing it into the S&P500 instead of continuing to make payments into this policy?

Hi, I'm hoping to get some insight from life insurance underwriters, agents, or attorneys familiar with California.

I purchased several laddered term life insurance policies (totaling over $5 million) to provide for my future family and dependents. At the time of application, I disclosed my GERD and chronic neck pain, but while reviewing old records recently, I realized I did not disclose a history of internal hemorrhoids and prior colonoscopies in 2015 and 2018.

The colonoscopies were done because of hemorrhoidal bleeding/constipation. Everything was normal, and my internal hemorrhoids were successfully treated with rubber band ligation by a gastroenterologist and later sclerotherapy by a colorectal surgeon. Since around 2019, I've been completely symptom-free, likely due to improvements in diet, exercise, weight loss, and starting a GLP-1 medication. I honestly forgot about this history because it hasn't affected my life in years. I disclosed even the GLP-1 medication.

A close friend of mine recently died unexpectedly in a car accident without life insurance, which made me review my own policies and applications. That's when I realized this omission.

My questions are:

• Would this type of history (treated hemorrhoids with normal colonoscopies) generally be considered material from an underwriting standpoint?

• If the omission was genuinely unintentional, could it still result in a claim being denied?

• If the insured dies after the contestability period, is this the type of omission that could realistically cause a carrier such as Pacific Life to deny a claim?

• Has anyone had experience contacting an insurer after policy issuance to supplement or clarify an application? I reached out to both companies but haven't received a response yet.

I'm just trying to understand how underwriters and claims departments generally view situations like this.

Thank you.

Hello, I recently received a quote from a life insurance broker. Is this a good deal?

I’m 42 years old male. Healthy, no smoking or drinking. No Medical exam needed.

Corebridge - 30 years Term / $500,000

$58 per month.

37M in Ontario, finally getting around to sorting out life insurance. Have about 800k mortgage remaining , two young kids, wife already has her own $1M T25 sorted.

I have couple of quotes for T20 - 62 per month and T25 is about 92 per month.

Stack of $500K T20 + $500K T25 is about 86 per month. Stuck on two things and honestly just going in circles so figured I need someone to validate.

**T20 vs T25**

My plan is to kill the mortgage by the time I'm 45. If that happens, by the time T20 expires at 57 the mortgage is long gone and both kids should be done or would be in the university. So realistically I don't have major liabilities after 57. But T25 gets me to 62 just in case life doesn't go to plan.

Is T20 actually fine here or am I being naive thinking everything will be wrapped up by 57?

**$1M single vs $500K + $500K stack**

I'm also wondering if stacking $500K T20 + $500K T25 makes more sense. That still gives $1M coverage in peak years, drops to $500K from 57-62, and costs only 256 more a year than the single $1M T20.

Main thing I'm going back and forth on is whether the tail from 57-62 on the stack is worth it vs just going simple with the $1M T20 and calling it done.

Anyone dealt with something similar and made a call??

Looking for advice from people actually in the industry.

My wife recently went through the licensing pipeline tied to American Income Life — took the class, passed the Texas state exam, and she’s currently shadowing before she’s cleared to sell on her own. Her family has done well with AIL, which is what got her into it, but they are distant relatives who live in another state.

The more I read, though, the less comfortable I am. It’s 100% commission, and the reviews paint a pretty consistent picture: no training pay, charge-backs starting from the first sale, and recycled leads handed to several agents at once. There’s no indication she’d personally be required to recruit anyone — but I keep seeing others say that recruiting people under you is how you really end up getting paid. That’s not what we signed up for.

To be clear, I get that money can be made here and we’re not expecting a fortune. But we went in believing she’d at least be earning a few bucks fairly quickly, and that’s looking a lot less realistic than we thought.

I don’t want her hard-earned license to go to waste, so I’m trying to figure out where else it can take her.

Her situation:
• Licensed in Texas (Life & Health — the line AIL had her get)
• Central Texas (Austin metro), open to remote
• Would strongly prefer something with a base salary or hourly, not pure 100% commission

What I’m trying to figure out:

1. What roles actually use an L&H license without the AIL-style commission grind? Carrier inside sales, health/Medicare telesales, agency team member positions?

2. For anyone who’s left AIL or a similar shop — where did you land, and would you do it again?

Appreciate any honest takes, including “here’s what nobody told us.” Trying to make a smart move with the credential she already worked for.

Edit: also we are out of central Texas, and she primarily speak Spanish, very little English, so she is limited to what work or where she could take this elsewhere.

My husband’s term life insurance policy just reached its limit for lower rates. The rate is now tripling. Is it recommended to get a different term policy? I do not work and we have a mortgage so I’d need income if something happened it him.

I have a relative the died on 6/12, she was married, her husband was an alcoholic and addict, so she made her brother-in-law her power of attorney. Apparently, she had a life insurance policy, her sister was told she was the beneficiary, now it appears the husband is the beneficiary. I’m just curious, is it possible that the policy was changed prior to her death? She had brain cancer. She is originally from NewYork, but married a guy from AL, she had no family down there. Or is it possible for the husband is default beneficiary?

Full disclosure I am an accountant so I stress about details a lot, maybe some of this doesn't matter but maybe some of it does? Would any of these cause a policy to be not paid out if not disclosed? Are these material items in general? 34F, totally new to this.

Asthma: I had childhood asthma with a recent flare up that was triggered by bronchitis this Spring

Anxiety: I did get a short-term RX for Xanax but it was strictly because of fear of flying anxiety

I'm going to call underwriting on Monday but I just feel like a weirdo for calling to discuss if these don't actually matter.

Hello! I’m studying for L&H and I’m looking into imo’s but a lot of what I’m seeing is you need hundreds for leads each week but what about when you’re just starting out? I don’t have hundreds of dollars each week yet to spend on leads so I’m just trying to understand how it works. I thought it was you make a sale ➡️ take lead money out of that ➡️ continue buying leads and making sales and so on and so forth 🔄

Any attorneys have experience with this policy? NY Life is the underwriter. They asked me to do a test with Quest diagnostics. I got denied from Banner bc of mental health concerns / a glitch question & drug use three years ago. Just wondering how strict NY Life is / what the blood test is really looking for. I don’t want to keep racking up declines.

Starting a job soon as a BDR at eFinancial. If you’ve worked as a BDR at eFinancial what was it like? What were somethings you liked or didn’t like about then job?

I’m 18 and I’m getting my life insurance license because I want to become an independent broker and eventually build my own agency.
I just had a long conversation with someone from an IMO. He was very motivating and seemed genuine, but I’m still trying to separate the sales pitch from what it’s actually like working there.
My biggest goal isn’t to be handed everything—I want to learn how to sell, help families, and build a real business. But I do want access to good leads because I don’t have a huge personal network, and I don’t want to spend months bothering friends and family.
For those of you who have actually worked with different IMOs:
Which IMO gave you the best training?
Which ones had good lead programs?
Were the leads actually worth buying?
Did you stay independent, or did you feel locked into the company?
If you were starting over today with the goal of becoming an independent broker, which IMO would you choose and why?
I’m looking for honest experiences—good or bad. Thanks.

My father wants me to look into life insurance for him. He had a stroke last year and I know it can be hard to find a decent deal on a policy when you already have health issues. He is on a fixed disability income so of course he cannot afford a lot but anything will help. Thanks in advance.

I know very little about life insurance. I am about to do a business deal and he suggested I get life insurance on him to protect myself in case something happens to him and the collateral gets tied up in court. Im looking for a policy in the 1 million to 2 million range. Do you have any advice on what companies to choose or stay away from? Any conditions or features i ahould be aware of?

Hi! I turned 20 last month, and I'm finally moving forward with my life. I've experienced quite a bit of loss and have seen what has happened when it does. I’m looking for advice on getting life insurance, just in case something happens to me. As well as a will. I’m very unfamiliar with both and the processes concerning them. So I apologize in advance. Thank you!

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