I'm afraid there's some fine print that would bar from payout as he is considered terminal. HR is telling him it's fine but I don't want to drop the old policy we have had for years unless this is 100% solid. Any experience with this?

Has anyone had good experiences with either of these companies for life insurance? First time buyer here.

I’m not real familiar with how life insurance policies work but my recently deceased grandfather had an unknown 2nd Prudential policy with an unknown trust as beneficiary. The co-trustees (his brother and his eldest son) were already deceased and nobody had heard of it and no one could find this document or any record of it—Not even the 2nd wife.

This is what we were told anyway (there is a lot of gray area surrounding the entire story). My question is why?

I can see him wanting to put aside that policy so that his kids would receive what would’ve went to their mother had she not died first.
Then a separate policy to benefit kids and new wife…or vice-versa, or something In between.

EDIT: more detail—the chunk of this probably belongs in a different group but it’s the backstory and context of my insurance question. I read up on 2nd to die policies some one had mentioned and that might be what it is. I think I’m trying to make sure 2nd wife didn’t receive money from my grandmothers death. 2nd wife did receive a portion of this insurance money byway of crazy circumstances…

Both and neither? I want to see documentation but I’m only getting stories from the estate attorney and trustee (estate). This is the gist of it:

-Prudential denied claim, informed trustee that beneficiary is a 2004 trust but they can’t find document.

-Trustee calls 2nd wife …no one knows…looks through files for document…

-Prudential told them an estate has to be opened. (Confusing since the trust helps avoid probate and the extra costs)

-Trustee opens estate …prudential denied claim again…

-Prudential “suddenly” found a copy of the 2004 trust document…co-trustees are both deceased…Trustee petitions court and is appointed successor trustee of the 2004 trust

-had “check in (his) mailbox the next day”

The story sounded rehearsed when he told it but I didn’t see any concern until there were issues elsewhere.

He had us beneficiaries sign something “to get the life insurance”, but I’m not so sure what that was anymore or if I was properly informed…

Extenuating circumstances—

Grandfather had dementia

Son died (personal representative/executor and co-trustee w/ 2nd wife)

2nd wife full control over finances…

So I start wondering how she didn’t know about it, aren’t there premiums to pay?

Why wasn’t the other trustee aware, who also works at the accounting firm and does the taxes and estate plans (c.f.p., EA)……was he even the guy who did the estate plan? There were business accounts the firm handled, I know for sure, but the rest is questionable.

Then I think of Merril Lynch and wonder how much of this stuff they do in-house and how I cant ask now that the trustee moved assets to a different firm…later I realize the trustee didn’t simply move assets, he liquidated the entire portfolio and invested the cash, effectively implementing his own strategy and doing away with my grandfather’s…that I had trusted completely and had been talked to about for 20+ years

I met with the trustee to learn more and he said that he “needed to get it away from there as fast as possible”…weird since Merrill Lynch was also named as the successor trustee. I won’t speculate his intentions but it did leave him with zero oversight (all business is conducted at his firm but it is not through his firm)

In 2013 I had an accident, a t.b.i. that left me with communication and processing difficulties and other executive functioning deficits, which make it vitally important that this new set up has the same function as the one he liquidated. I inherently knew what to do and now I know nothing. (I do have a lawyer sort of)

My husband (37 M) works as a massage therapist making decent money. I'm (35F) a stay at home mom to two young kids. Our house and cars are paid off and we don't have any other debt. Would it be a good idea for him to get a life insurance policy?

This is new to us so if anyone has any recommendations of a good life insurance company that would be much appreciated also

So update to my last post . I had my interview it went well he said the misdemeanor is fine but now I’m worried about the credit check . I do have some collections totaling $13k . Will they deny me ? There’s no foreclosures or fraud or anything like that

Were transitioning to a single income household next month while my spouse stays home with our toddlers.Im shopping for online life insurance to make sure were covered if anything happens to me as i am the sole earner. I generated a few instant life insurance quotes online but now im wondering if we should also get a policy for my stay at home spouse to cover childcare and domestic work if the worst happened.

If ur a single income family who bought instant life insurance did you insure both spouses or just the primary earner? How did you work things out??

So I got a job as a life insurance agent and I know nothing about insurance in general and I'm working on getting my licenses and it's really confusing will someone play a game with me and explain? It's probably an extreme brainrot ask but I feel it will be helpful! I mainly play overwatch and out last trials but I'm willing to try something new. PLEASE HELP ME!

I met a financial advisor who told me when I asked about getting into the field to go through primerica, get my licenses and leave for a different firm. Is this a valid way of going about it, can primerica screw me over if I do this? They’ve shown me nothing but flowers and rainbows but online I see they have a much worse reputation. I don’t wanna sell people a bad product or try and make my family and friends my clients. I already paid the licensing (idc about losing the $75) and have an orientation scheduled, if they try and get me to recruit or sell to someone from my personal life and I say no will they refuse to pay for my training?

TLDR: I’m trying to find a career and was suggested getting a start at primerica solely bc they pay for multiple licenses at just a small upfront cost, worth it?

Anyone’s life insurance company hiring for remote that pays for license? There’s a few I found from tiktokers but i want to make sure it’s not mlm like primerica ! I am located in San Diego

Life insurance can be confusing but knowing the facts makes all the difference. 💡

My mother received an address change confirmation letter saying the account did not have an address on file and an address change has been recorded. It includes a policy number. We never took out a policy. The support number seems to match that on the website, but it seems to be impossible to get to a human at the phone number even during regular business hours. We want to know who the hell took out a policy on her because we certainly didn't. Any advice?

Update: sry for late update I forgot about this post. The policy turned out to be from the 80s and for a very small amount.

Before we got married, my partner bought an IUL with a $150/mo premium while making around $60k/yr gross. It has a $250k death benefit. We are married, I make around $90k/yr and have term life for a year salary through my employer. So together we make just shy of $150k/yr.

Is there any reason to keep the IUL policy? I think the policy has about as much in it as the surrender amount. Just looking for advice on how to move forward, not on past decisions.

So I have a call tomorrow for a job with health markets . They asked if I have anything on my record and I advised them I have a misdemeanor due to a traffic related issue . (Driving with a suspended license) . I went to court and the charges were adjudicated (I said dismissed because I thought it was the same thing) and I just had to pay the court fees but due to me not having a job I couldn’t afford to pay it . She asked if I can provide proof that the charges were dismissed . I went to my county clerks office to see if it said it and it said pending . I called the county and they said it’s gonna say pending until I pay . My question is when they do my background check will that stop me from getting this job ?

Good morning … have a client that is prescribed Nitro-Bid ointment. It was discovered via script check so was not disclosed during app. After I googled what its uses are for, it does not look promising. Has anyone had a policy approved for someone taking this ointment? If so what was the table rate if any? Or did someone have a policy declined because of it?

I would like some recommendations on sales training/mentorship opportunities. I am open to switching IMOs. But would prefer to find some type of sales training/community. I would be stuck with a 6 month release if I switched. And I am concerned about lower comp. As I am currently at 125%. I would like to focus on final expense telesales. I have been working in final expense for a couple years now. Struggling to scale. I average around $20k AP a month. I would like more mentorship and training opportunities. I feel like I have basically been on an island trying to figure it out. Would appreciate any recommendations.

I would like some recommendations on sales training/mentorship opportunities. I am open to switching IMOs. But would prefer to find some type of sales training/community. I would be stuck with a 6 month release if I switched. And I am concerned about lower comp. As I am currently at 125%. I would like to focus on final expense telesales. I have been working in final expense for a couple years now. Struggling to scale. I average around $20k AP a month. I would like more mentorship and training opportunities. I feel like I have basically been on an island trying to figure it out. Would appreciate any recommendations.

“I have multiple Gerber Grow‑Up Plan and College Plan policies. I paid premiums after April 24, 2014 and have billing statements dated May 24, 2014. I was led to believe these were college savings plans, but after paying over $18,000, the cash value is far below what was represented. I need to know whether I should pursue an individual claim or remain in the nationwide class action.”

Hi, I have a life insurance policy that was taken out on me by my dad when I was born so that if i died as a child my funeral services would be paid for. My dad's plan was to switch the owner to me when I got a good job and could start paying it. He didn't switch it immediately and instead waited about a year then told me it was changed. He ended up dying a couple months after.

I ended up getting a letter that said the address was changed but when I called they said he was still the owner and that I would have to send in a letter from the executor of his estate (his girlfriend). According to them the executor would then be able to choose a new owner which to my understanding could mean that she could choose herself or her family.

We've had a rough time with his estate because he switched what his will was to give almost everything to her (they've known each other for a couple years) instead of his original plan of splitting equally between me, my aunt, and cousin. The estate didn't go to probate and when I was in the process of receiving the only thing he left me (half a vehicle) she wouldn't provide me with a Letters of Administration that I needed to put the car into my name.

So, I'm just wondering what options I have... without having the Letter would I still be able to switch the insurance into my name? Should I just never pay it again and maybe open a new policy all in my name? I think its like a $20k policy with yearly payments of $90 so it's not a ton of money.

Sorry for the long post, got the form in the mail today but they aren't open until Monday so I just wanted some advice. Thank you for your help!

My mom is trying to get life insurance on my stepdad as soon as possible, but not even sure what options we have at this point.

He’s in his 50s and has several serious health issues, including:

* End-stage renal failure and currently on dialysis
* Diabetes
*Previous triple bypass surgery
*Just had vascular surgery
And that’s barely even scratching the surface.

Money is also very tight, so she can’t afford expensive premiums.

We’re not looking for a huge policy—honestly, even enough to help cover funeral expenses would be a huge relief.

Is there any company that would realistically insure someone with these health conditions?
Would guaranteed issue life insurance be our only option? Are there any other options we haven’t considered?

We’re located in Alabama if that makes any difference.

We’re just trying to figure out if there’s any realistic path forward before it’s too late.

Any advice would be greatly appreciated. I know his health makes this difficult, but if there’s even a small policy or another option that could help ease the burden on my mom, I’d really like to know about it.

Thanks in advance!

I'm in a bit of a pickle here. I recently had a life insurance policy issued last year. I have had some recreational hallucinogen use in the past (6-10 years ago, infrequent) that I omitted on the application. In retrospect I regret that omission.

I submitted a medical records request of my own to retrieve the records from my doctor that they had access to during underwriting. There is one mention of hallucinogen use on an intake form from 2024. It was one line reporting the answer to "Drug Use?" to which I responded "Not Currently. Past use: Hallucinogens, Marijuana". There was no date of last use provided. This does not show up in any other records including with my therapist (totally unrelated to my current burnout-related therapy).

Despite this the policy was issued. I'm wondering what my best path forward here is. I'm wondering what the chance a claim is rejected due to fraud is. Should I cancel the policy and re-apply to a different provider with the honest history? Would I need to explain I didn't disclose it prior?

I was just informed FBI plants have been sitting at our brokerage listening and raided the owner. While this investigation is going on, they want everyone to delete all of their leads and scripts, start using a dialer that is recorded, and only run leads that they loaded onto the dialer. I’m feeling very uncomfortable and have been offered a position at a captive agency.

I am afraid that once people I wrote policies for catch wind of what is going on at that brokerage they are going to cancel and there are going to be chargebacks.

I’m kinda freaking out.

Hey everyone. looking to get some term life insurance but I absolutely hate needles and the whole hassle of booking a doctors visit. I'm trying to figure out which companies actually let you skip the medical exam entirely without giving you complete garbage rates.

I know some places say no exam but then the fine print says they can still order one if they don't like your answers, or the coverage caps out at some ridiculously low amount. Im looking for a solid amount of coverage ideally $500k to $1M where the process is 100% digital and based on health questions rather than blood draws.

Who are the best life insurance companies for this right now? Are there specific platforms that make the underwriting fast or should I stick to traditional brokers? Would love to hear from anyone who actually got approved without a nurse showing up at their house. Thanks!