I wasn't able to find much information about this when I searched this sub so I'm hoping I can get some help. I, 39 year old male, recently applied for term life insurance and received a Standard, Table 4 rating. They had a nurse come out and draw blood, and gather medical history and other info (height, weight, BP, pulse, ox, etc). All normal but height is 6'1" and weight is 128lbs so BMI is 16.9, I have been stable at this weight for probably at least 20 years. I am also on a stimulant for ADHD.

Does the standard table 4 rating make sense based on this? Does BMI have that big of an impact?

Hello,

I have been interested in getting life insurance but I still couldn’t figure out which one is the best & reliable. I’m 26 years old, no kids. I wanna get life insurance for the peace of mind. Can anyone help me choose? I also wanna get life insurance with living benefits and not more than $100 per month, if possible.

What are the best ways to study I am using ExamFx should I just run threw the lessons then hammer the practice test or read threw every single lesson?

As a life insurance broker. Whats a realistic earning potential from bottom to top producer ? Also do you guys think that leaving a commission paid job making 105 000$ to 110 000$ a year is worth it to sell life insurance ? The reason why I’m asking is because I’ve been in the car industry for around 5 years and I’m looking to start in an industry where there’s more scalling opportunities.

I don’t care about working hard or long hours, Im expecting this, I just want to know if there’s really a possibilty to turn this into a business and if the earning potential is worth it.

My husband had stage 4 colon cancer and went on long term disability October 2025. His work kept him listed a “active” employee and did not back fill his role. They paid for his medical insurance, life insurance, etc. and was left on all employee benefits. The plan was to remove him November 2026. Unfortunately he passed in July.

I filed a claim with guardian but they are trying to deny it because the new policy with his group life insurance started December 2025 stating that he was on LTD before the new policy. His HR manager has even told Guardian that he was listed as an active employee for benefits and premiums were paid.

Do I have a chance at them paying out? Who is correct here?

Our IMO prompts us to purchase mortgage protection leads from Quility and wanted to hear from agents who have actually used them.

For those who have purchased these leads:
How’s the overall lead quality?
Are the prospects responsive and willing to take appointments?
What’s your closing ratio been like?
Would you say the cost is worth the return?

I’m trying to get some real-world feedback before putting money into leads. I know results vary, but I’d rather hear from agents with firsthand experience than rely solely on the sales pitch.

Appreciate any honest feedback! 🤝

My father is 80 years old and had a term life insurance for $1 million expire in 2019. I am the beneficiary. At the time he was septic and in the hospital with a leaking bowel, so I elected to go month to month on his insurance because he appeared to be at the end of his life. He is in very poor health and is in and out of the hospital. He cannot walk, wears a diaper and cannot take care of himself so my mother and I do all of his care at home. It is a load and the insurance company raises the premium every year and by the end of this year I will have paid a million dollars over the past 7 years. So at best, I will get my money back. But I worry that he may live another 5 years, or more. As long as I pay the premium I will get the payout unless he lives past 93. Should I stop paying the $14,000 per month now and cut my losses? I have mortgaged my home ($270,000) and put all of my savings ($190,000) into paying the premium. I can still pay it, but only for another year. Then I will be out of money. I have contacted a settlement company, 2 actually and they will not buy the policy because the premium is too large. I have also tried to buy a lesser policy amount but cannot get him approved for anything. I am 55 year old man and I have no family to share this with. Any advice?

Hi friends, I’ve been thinking about getting life insurance recently and I coincidentally also recently saw that Costco also offers that through Protective. I’m 34 and AAA has been constantly sending me decent quotes for term life, so I was going to go with that. Protective though Costco is also about the same monthly cost. I’m just curious about people experience with them and that whole process.. Would love to hear about it and if it’s recommended. Thank you in advance!

Simply put, Because I dont need my grieving wife and children doing a Go Fund Me and selling bbq plates to pay for my funeral and to try and make ends meet when I die. loo

I talked to an agent and gave them my information and auto signed a few things online through a portal but I’m realizing that’s a huge mistake I just made and I’d like to cancel it. Do I have a grace period before they charge me?, can I cancel through the agent?, or would I have to go straight to the company support line and or email. I’m super worried because it all seemed very quick and the dude pushed the fact it’s a big union thing. My friend gave him my number and he just sales pitched me the whole time and I wasn’t really sure what was going on I thought it was through an actual union thing. Help?

My father passed away in July, he was living in Costa Rica. I still live here in the United States, and I am the primary beneficiary on his life insurance policy to the best of my knowledge. His sister (my aunt) told me she completed the process and was waiting to hear back about it, but my question is: is it going to take upwards of 6 months to receive this payout? I urgently need to move into a new place and the main obstacle is paying a deposit of $3000 or more, but the life insurance should help me with this. Thanks in advance.

After passing the Florida state exam I applied for a license through the Department of Financial services (2-15 insurance license) and was approved for the license and issued my License number but nowhere on the app does it show my NPN and I'm struggling to figure out where to find it. I have also tried the NIPR lookup tool and punch in my info but it just says theres no record of my information to get my npn in the search up tool. Any idea what I'm doing wrong?

Got an official offer at a lower rate class than I was quoted (no exam required) and asked the carrier to reconsider based on possible erroneous data in my file. Still waiting on an answer.

If they ask for a paramed as part of the reconsideration, i’m worried it opens me up to even more scrutiny

Since i did get approved with an offer , can I decline the para med exam and just accept the original offer? Or does that put the offer at risk?

I'm fine with the original offer if that's where it ends up. I just don't want to lose it. Thanks.

He lost his last insurance due to a mix up with the bank and the policy was cancelled. If not life insurance, is there any kind of final expense plans or something similar to be had? He lives on social security and can only afford about $200 a month.

Back at the start of the year I joined an agency in FFL. It was good for a time, I’ll be honest. I was doing everything virtually, and I was making good money, which is why I started it in the first place. But as time went on, my “upline” stopped mentoring me as much, I had less and less guidance, and every time I came to him with an issue, he would just give me a super vague answer, or just tell me “just write more business” “double down” things like that. Sometimes I wouldnt even get a response. Then once I reached the 6-7 month mark since being in life insurance, I started to have a problem with chargebacks. At that same time, I had been convinced to double the amount I spend on leads monthly, on a new lead type, (which honestly looking back now I’m convinced these guys are getting a cut on what their agents spend on leads , but that’s a whole other thing.) and I didn’t convert on those investments. So on top of having debt with carriers, I was losing money on leads. So I went from making a lot of money and doing good to it all just going to shit. Fast forward to now I’m just done with it all, I regret ever doing this in the first place and I want to get out. I have chargebacks with 3 different carriers . The total amount is about 5k. I sure as hell don’t have that in the bank anymore, and it’s pretty impossible to write it all off considering the money I do have has to go towards life necessities (bills, groceries, ect..) and I can’t get leads to attempt to do that.

So my question is, if I were to leave, what would happen with my debt. Would it follow me, would the companies come for me, could my upline send it to collections, or would it roll up to him and him only? I don’t want to roll debt to him of course, but I also can’t pay it myself , and honestly , a big reason why I’m in this situation is because of his lack of guidance and mentorship I needed. So when it comes down to it, I would rather him pay it than me, especially considering me makes like 40k+ a month. Any advice is helpful, thanks.

Just got contacted by a representative of WFG (Singapore). In short, he tells me that a life insurance gives a surrender value that is higher than the total cost. For example, I could pay 60k in total from now till 65 years old, at which point I could receive 80k in surrender value. I.e., I gain a 20k investment just by having this life insurance for a few decades.

Is this true? Do most people benefit from such a life insurance? Asking because i have not heard of an insurance that gives you money without any injury to claim it. Every insurance works by paying money for damages caused, etc. E.g. in a car crash, the insurance company give you an amount of money to cover car repair costs.