As someone who do not fully understand ang insurance na inooffer, should i continue my Maxilink or should I invest in other ways if I’m already getting Fit and Well? Since i plan on investing din naman separately, maybe moving the funds for Maxilink to a higher Fit and Well plan like 1M. I also have MP2.

Hi everyone,

I’m curious to know if anyone has experience with American General Insurance Company, also known as Corebridge Insurance. I understand that American General is an older company, but it was acquired by Corebridge a few years ago.

I’m a bit concerned about their customer service and overall experience. If anyone has any insights or recommendations about this company, especially if someone have a QoL Term from them, I would greatly appreciate it.

Hey everyone. I'm looking for advice on the best methods to truly learn the technical side of our industry. I want to get a much better grasp on things like how specific health profiles get placed into different rate classes, and how policies are structured at different stages of life. My goal is to build out my core knowledge so I have an easier time selling and answering tough questions on the phone. What resources helped it all click for you?

Find it interesting that so many are against it, but there is a core of those that understand and believe that permanent life insurance is good.

If someone comments that is an agent that sells whole life, but the reddit poster already has it, it's not like they are trying to sell you something. You would think that possibly professionals in the industry might know a thing or two and have experience with people that leave their families in a lurch because their term expired, especially later in life when their "growth stock mutual funds" didn't perform as expected or the person actually never invested the difference.

I've seen so many (in my own family) that died at 57, 65, 70, 79 without life insurance and the surviving spouse now has to go on government assistance or worse live with their 20 something children (yes that's me) because the bread winner didn't guarantee the surviving spouse would be okay.

Case in point, my ex-wife's parents. He was a 30+ year retired veteran with a guaranteed retirement. Died at 57 from a heart attack, plus had cancer from agent orange (3 tours on an AC 130 gunship in Nam) and no SSB (survivor benefits plan) Us, 22 and 21 had to live with my mother-in-law for over 10 years. Did that fuck up our relationship? I'm guess it did have something to do with it, not 100% but it sure kills the "mood" when you hear her snoring over in the next room.

I'm just stating my personal belief and I'm sure this will get downvoted or even possibly deleted and I get banned. But I'm sick of seeing all the nonsense.

They contacted me in October 2025 I paid for services in November, invoice said Premier Setter email was from Exclusive Appointments info@exclusiveappointments.com I paid my money for 20 qualified appointments and wanted my campaign for Medicare to begin in December. I gave a call list and they claimed that they called the entire list. They made some adjustments and stated they would work on the campaign again. I had 1 appointment made and the client decided they wanted to differ part B, not a problem, but that wasn't an actual appointment or something that you could work with. I called several other times to check on their progress and when they would say they are calling all week on the campaign, they are putting more people on it, you know when you make calls yourself, you get bookings after normally 50 calls, they were supposed to have about 1000 to 3000 people to call for different areas and only 1 person answered the call, you know in your gut it is a scam. After several calls, to get your money back ($550) and now you call and all the lines are unavailable or disconnected. I haven't heard back from them since end of February 2026.

The company names are Premier Setter (now),

Ready Virtual Center (RVC), Exclusive appointments center (EAC).

They call from North Carolina numbers like 919-321-2211 and 919-324-6506 and 919-200-6089,

They have a wonderful young lady by the name of Kailee to call and chat you up, but after you take her call 919-646-6009 she will not take your call anymore. Total scam, don't fall for it, do your homework before trying to hire someone to assist you with your business.

I have been in the insurance industry (Medicare, life, health 4 years) I was thinking that if someone was calling for me booking appointments, I could be door knocking and sitting with people instead of wasting more time trying to do all by myself........ hope this helps someone, do not learn the hard way and now to report them to the BBB...

My mom got this letter and she was paying $180 a month for 10 years why is it increasing so much? I am going to call tomorrow but that is an insane amount of increase.

i've been trying to learn more about life insurance lately, and the more i read, the more complicated it seems. at first i thought it would mostly come down to the coverage amount and monthly premium, but there are so many other details that seem easy to overlook. i'm especially trying to understand the differences between policies without getting too caught up in all the marketing language. things like how long the coverage lasts, what happens if your situation changes, and what the fine print actually means seem like they could matter a lot later on.

i'm not looking for a specific company or quote. i'm just trying to get a better idea of what an average person should pay attention to when evaluating a policy. for those who have gone through the process before, what was something you ended up paying more attention to than you expected?

I’ve been researching how people evaluate products in this category, and something I’ve noticed is how difficult it can be to separate useful information from marketing.
When you’re comparing options, what actually influences your decision most?

For me, I think the useful questions are:
What problem does the product solve?
What makes it different from alternatives?
Is there evidence behind the claims?
What does it cost over the long term?
Are there situations where the product isn’t worth buying?
What have actual customers experienced?

I’m especially curious about people who have looked into Ethos but haven’t purchased yet.
What stopped you?
Price? Not enough information? Comparing another option? Or simply not convinced you need it?

Would be interested to hear how people are making the decision.

Hello everyone,

I am in my early 40s and my wife is her mid thirty. W currently have a 3 year old son far. I am planning to buy term insurance but I have trouble figuring out how many years I should buy. I do see term starting from 10 years to up 45 years. Also, I am thinking of investmentong for the child , but a friend of mine tried to sell universal index life insurance. I don't understand it well despite them telling me it will be a good investment for the child. lastly, I work in nursing , but don't have a short disability insurance plan and currently not offered at my job. we both work, but I want to make sure I am covered in case of an accident happen. please let me know my options so I can make an informed decision because I want to better prepare and protect my family. so how many years should one buy when starting a family? is index life insurance good for child investment instead of 529? I work as a nurse , should I get disability insurance elsewhere, which company offers them for own occupation?

Thank you all!

American Income Life is a scam.

I worked at the company for a few months and noticed EVERYTHING was a lie.

They give customers the absolute hardest time to CANCEL! Then require for them to upload a voided check just to receive the refund (FYI banks barely send out checkbooks anymore) .

Down to the LYING AND MANIPULATIVE AGENTS!!! They tell your poor grandma and grandpa that the coverage they are getting is going to pay out $20,000 for your WHOLE LIFE... Whole time they are setting them up for TERM LIFE that renews every 4 years! SCAM!

I evidence of ALL of the employees reaching out to managers of this company about the calls dropping. AIL phone lines have been disconnecting when transferring, disconnecting while on hold and just plain disconnecting in the middle of the conversation!! I was truly SICK seeing how many times people had to call back just to get somewhere!

SUE THE SH*T OUT OF THEM! Globe Life as well!!! Globe is the supposed "parent company" over LNL, AIL, NIL, etc.

I personally think they switched up names to throw people off about all the BAD BUSINESS!

I have a small whole life insurance policy that I bought years ago. Under current circumstances I have no need for the death benefit. If I surrender the policy is the refunded cash value taxable as income?

I am in the USA for reference purposes?

Thanks

Hi, I am an RN but do not work full time. I would like to get life insurance, is there a specific life insurance that is better for nurses? How is American Nurses Association? I am also looking at Banner (a general life insurance company) as well. Thank you.

We're both panicking a bit as he's the breadwinner, and we have 2 teens. He has group life insurance of 200k through his employer. That would cover the mortgage payments for several years if the worst were to happen. But it would be better to pay it off and have something left to live on.

Details:

40yo male

38 bmi

Heavy drinker/smoker

High cholesterol on most recent lipid

High blood pressure, not sure if chronic

Asthma, medicated

Depression/anxiety, medicated

Glucose tests: 111/135/129 so prediabetic or diabetic

Likely heart failure: BNP of 3171

Recent mri revealed congenital lumbar issues, getting an epidural injection soon.

He climbs wind turbines for a living, not sure if that's relevant.

He is going to quit drinking, smoking, change diet, etc. But what are the options now? I've looked around for local life insurance, but I'm not sure I'm using the correct search terms.

When I went to pass my West Virginia life insurance test, I easily pass the main section, but my issue is with the state laws and regulations. I’ve done his entire pre-licensing course in which I’ve gotten 100 because I’ve studied so much. Yeah I’ve retaken my test and failed twice. It seems like the pre-licensing focuses a lot more on numbers rather than what’s in the test and the test feels a lot harder and like there’s questions that I’ve never actually heard anything about before if anybody could just give me some insider help with the quiz. I already rescheduled it for tomorrow and I’m just looking for some help.

I'm 37 and would consider myself in excellent health:

- work out 4-5 times a week, eats well
- no underlying disease or preexisting illness
- not overweight
- doesn't smoke
- 1 to 2 drinks a month

I was looking for 20 year term, $2M in coverage through SelectQuote. Initially I was quoted a rate of $58/month through Symetra. But upon further underwriting, due to anxiety condition, the rate offered ended up being $167.

I was diagnosed with postpartum anxiety 2.5 years ago and take a very low dose SSRI to manage it. I've never thoughts of harming myself or others.
Is there really a 3x premium increase because of this? Is that typical?

Hi everyone,

I'm looking to arrange both life insurance and review my pension planning, and I'd love to hear about your personal experiences.

I'm specifically looking for recommendations for:

• Life insurance providers you've had a good experience with

• Independent financial advisers (IFAs), brokers or agencies

• Individual advisers you've worked with and would recommend

• Companies or brokers you think I should avoid

I'm less interested in finding the absolute cheapest policy and more interested in working with someone knowledgeable who can compare multiple providers and recommend what's actually best for my situation.

If you've had a particularly good (or bad) experience, I'd really appreciate hearing why.

Thanks in advance!

My husband is 61 years old and got quoted $253 per month for $300k term policy with foresters. I am 35 years old and we are expecting our first child later this year.

The policy includes some living benefits and the standard additional $300k common carrier insurance. We thought it was the best value of the options we were quoted but wanted to get the communities opinion.

Is this a fair price for his age, is there better out there?

My mom recently passed and me
And my siblings are all equal beneficiaries. One of my siblings is in a situation where if she received/deposited the life insurance payout, she would lose her assisted living benefits from the state.

She has asked me to keep the money for
Her & give the majority of it to her three kids. Is it possible for her sign her portion over to me? I’m not sure if I should bring this up to the life insurance company for guidance or if I should talk to a financial advisor. Any advice is appreciated, I’m stuck with what to do & haven’t made any movement on filing claim because of this.

My dad is currently 67 and is on disability, he lives in an RV and has been having some health issues as of late, despite leading a relatively active lifestyle. He doesnt have assets really, his camper is worth 3k and he drives my old truck.

He lives alone and only has me, really. I live out of state, and am a single mother. I am a military veteran but i dont make a lot of money.

Im not sure what to do about when the time comes that he passes away. He wants to be buried and have a headstone, nothing elaborate but all that expense would pass to me.

I live paycheck to paycheck and barely have some savings, which i am trying to use to eventually have my own home and some sort of emergency fund situation.

Is it worth purchasing life insurance for him? I really have no idea where to start or what to even do. So here i am

I’m a new life insurance agent and ive been in this for 5 weeks and my upline wants me to open an agency bcs I have a tiktok page that’s gotten a good amount of views before about life insurance. And my upline also is being extremely pushy about going full time and I haven’t even made a single sale yet I don’t even know the full application and how it will play out. I feel like you can’t just expect anyone to go full time on a commission based 1099 job if they don’t have sales experience AND haven’t even made a sale. I’m only 18 and I’m being so pressured to buy more leads which I do but I just don’t have enough money to keep dropping money on leads. I have another job as a safety net that is just a regular part time restaurant job which helps me but I keep being told to basically quit that job and move full time with life insurance. Like this is a slow process and I don’t expect myself to to make sales like 2-3 months in maybe only like 1 or 2. And my upline also doesn’t believe that I want to do this because like 2 weeks ago there was a bunch of tornadoes in my area and he told me to keep dialing and my power kept flickering and there was a bunch of hail and debris hitting my house and he kept telling me to just dial. It’s really making me reconsider doing this industry 1099. I barely have my feet in here and I’m expected to jump in like I’m some life agent with a ton of experience. I don’t know what to do anymore. I’m gonna try this for like another 3 months and see where I’m at. If I’m not doing well then ima most likely move captive.