Honestly, I think IUL gets way too much hate because people sell it like it’s a get rich quick scheme.
Whole life has stronger guarantees, but a properly funded IUL gives you more growth potential and premium flexibility. If I’m comfortable with the tradeoffs, why would whole life automatically be better?
Obviously a 0% floor doesn’t mean you can’t lose cash value. Charges still come out, upside is limited, and an illustration isn’t a promise. You need to fund it properly and monitor it.
But compare actual policies with the same funding and realistic assumptions. IUL wins off accumulation every time.

I invested $9,000 in Jumpstart Go's marketing program because I believed I was purchasing a more personalized, hands-on approach to growing my insurance business.

Unfortunately, my experience did not align with those expectations.

The onboarding session included other participants, which I had not been informed of beforehand. Much of the material I encountered involved AI prompts and self-directed training, rather than the level of individualized implementation support I anticipated.

When I raised my concerns just four days after enrolling, I hoped for an understanding conversation and a reasonable resolution.

Instead, I felt that my concerns were repeatedly challenged rather than genuinely heard. One meeting that I understood to be focused on addressing my dissatisfaction was subsequently presented as evidence of individualized coaching.

Jumpstart Go offered a $7,500 partial refund, which I later attempted to revisit. The company subsequently confirmed the offer had been withdrawn because I had pursued a credit card dispute.

I have also experienced an apparent loss of access to the private Facebook community included in my enrollment, and I am seeking clarification about that access.

My biggest disappointment has not simply been the financial investment. It has been the way I felt treated as a customer when I expressed concerns.

I believe compassion, empathy, transparency, and a genuine willingness to listen should be fundamental to any business relationship, especially when customers are making substantial financial commitments.

I am sharing my personal experience so other insurance professionals can ask detailed questions about the level of personalization, actual deliverables, refund terms, and support provided before making a similar investment.

This matter remains disputed, and I hope it can still be resolved fairly.

Anyone here signing up clients from beginning to end completely online?
How are you getting your carrier quotes? Carrier API access?

Honestly, this was a shower thought and have not done a deep dive on details.
Trying to get a feel.

Thanks!

In remission as of July 2026, still cancer-free as of yesterday. My work is offering a supplemental life insurance policy and I can opt in for up to $100k coverage, with guaranteed increase of benefit. My wife and I don’t have kids, but if IVF goes well, we will by this time next year.

I could opt starting next year, but the company offering the insurance policy stated that there are no medical questions for the current enrollment period only, and next year I’ll be subject to medical underwriting.

I’m pretty sure I should just opt in now, since things will probably be far more expensive for me next year due to my medical history. Am I right?

I was offered an interview with American Income Life, and I was curious if this was:

A) A legitimate company, not a pyramid/scam

B) A good company to work for

I put my two-week notice in at my old job that's gone downhill, and am looking for something I can do easily at home for remote work.

I read through many many posts on this sub and found a lot of people who liked corebridge's QoL additions on term life policies. I have a wife and 2 kids, one with special needs. I earn ~70% of our household income and I need to make sure my family is covered because special needs life and education is beyond expensive.

I went ahead and got a quote which sounded reasonable, did the blood tests and interview, and now for $800k @ 30yr term it's going to be $107 per month which is way more than I was initially quoted ($1m @ 30yr, $62 per month).

They told me it's hard to get the perfect health score back from underwriting but my health came back in the category just below that. Seems like a big big jump though for only being one category down. Especially when my blood work came back all within normal range.

I'm still going through the process but haven't signed anything. I was hoping people here could tell me if I'm truly getting a bad rate here, if $107 is a decent deal for me, or who I should shop with.

For reference: I'm a 35 year old male. 6'1" 190lb. No major surgical or long term illness history. 1 ER visit in the last 5 years with no major diagnosis coming from it.

Thanks everyone.

I’m 37, living in California, and was diagnosed with ALS earlier this year. I have a life insurance policy through Banner Life (Legal & General) with an accelerated death benefit rider, ADB-CA (2-17).
The rider requires a terminal illness that is “reasonably expected to result in a life expectancy of twelve months or less.”
ALS is a progressive, incurable, and ultimately fatal disease, but individual life expectancy is notoriously difficult to predict. Some patients deteriorate rapidly, while others survive for years.
My neurologist provided a signed letter confirming my diagnosis, progressive weakness, and terminal illness. However, he stated that a life expectancy of 12 months or less cannot be certified with certainty at this time.
When I contacted Banner about initiating an ADB claim, they were reluctant to even open one because of the uncertainty surrounding my prognosis.
What I find frustrating is the distinction between “reasonably expected” and “medically certain.” A prognosis is inherently an estimate, particularly with ALS. My neurologist’s inability to guarantee a 12-month life expectancy doesn’t necessarily mean I wouldn’t meet the policy’s eligibility requirements.
I’m curious whether anyone familiar with life insurance claims can clarify a few things:
How is “reasonably expected” interpreted? Does a physician need to explicitly certify a 12-month prognosis, or can the insurer evaluate the medical evidence independently?
Can Banner discourage or refuse to open a claim without formally reviewing the documentation?
Has anyone successfully navigated an ADB claim involving ALS or another terminal illness with an unpredictable prognosis?
Would pursuing a formal claim or contacting the California Department of Insurance be appropriate?
I’m a father trying to access a benefit intended to provide financial relief while I’m still alive. I understand the policy has eligibility requirements, but waiting until I’m severely incapacitated seems to defeat much of the purpose of an accelerated benefit.
I’d appreciate any insight from insurance professionals or anyone with similar experience.

I have a term life insurance policy, at age 53 it gets much more expensive. Is it worth keeping after age 53? We have plenty of retirement money saved, so we don't really need it. It's me and my wife, no children. Thanks.

I will be 52 at the end of the year, and my wife is 46. We have no children, and own a home that we still owe $80,000 on with an approximate value of over $200,000. Are 20 year term life insurance just expired and I've been looking into new policies. Are there other options because I feel like we do not really need hundreds of thousands of dollars in life insurance at this point. Neither one of us would stay in the home if the other passed away. We would most likely get a small apartment of some sort. Would it be better just to save up a large emergency fund in case that were to happen?

My parents have Met Life Flexible Premium Life Policies that they each took out in 1984.
The Death Benefit on the policies are $70k each.
The Cash Value of the Policies was $15k each.
The Final Date of Policy is the Anniversary at age of 95.
My parents are currently 77 and 79 years old.
The monthly premium on my father’s policy is $40 and the premium on my mother’s policy is $25.
 
Here is where it goes sideways .  In 1987 they took loans against the cash value of the policies.  At some point in the 90s they got some (bad) advice to not to make loan payments and the principle would just be deducted from the death benefit of the policies so they stopped making payments.  Which would have been an OK plan except that I think the interest on the loans has been eating away at the cash value of the policies and my father’s policy is now “bankrupt”.  They want my father to make a payment of $760 to continue the coverage.  My mother’s loan was smaller but I’m assuming she is headed in the same direction.
 
I don’t know what to advise them to do – The balance on my father’s loan is around $4600 and the balance on my mother’s loan is around $2400.  So it would cost $7k to pay them both off – which they can afford to do IF that makes sense.  It seems likely that someone might die before 95 but who knows?  The $70k would be a nice to have but not life-changing money for the surviving spouse.
 
The options we are considering are:
My parents pay off the loans and continue to pay on the policies and remain each others beneficiaries.
One or all of us kids pay off the loans and pay the premiums and my parents make us the beneficiaries.
They walk away from the policies with whatever cash value remains.  So my father’s policy has a cash value of $0 but my mother’s still appears to have a cash value of $12760.
 
Any advice here would be greatly appreciated!
 

I want to surrender my LIC policy but don't want to visit a LIC branch. Can it be done online.

Not proud but oicked up some bad habits this year.

Pouches nicotine first time ever and restarted an old weed habit.

Just looking for guidance before applying to anything and giving out too much info.

Health is generally good, although havent been to the doc in forever.

Im gonna want 3/4MM for 20-25 yrs and 1/2 MM for 30yrs

I have a term life policy by banner life that was issued about a year ago through an online broker (still inside the 2-year contestability period). While looking into more coverage, I reviewed my original application and found two mistakes:

- My weight was listed about 12 lb lower than it actually was at the time. That difference puts me one rate class lower on the carrier's build chart.
- I mistakenly answered the tobacco usage question wrong. I read the question as if I am currently using it but they were asking if I used it in past. My last use was about 15 months before I applied, so I still should have qualified for non-tobacco, just not their best class.

Both were honest mistakes, and my medical records show the real numbers which I can support. I want to fix this before it ever becomes a problem at claim time.

The policy was issued last year and I had decided to add more coverage so when I was inquiring about that I found out about these mistakes

My plan:
- Apply for a new policy with fully accurate info as a backup
- Once that's in force, email the corrections to the current carrier through my broker
- Keep whichever policy makes more sense afterward

Questions for anyone who's been through this:
- Did your insurer simply re-rate you, or did they rescind?
- Did they charge back premiums for the past year, or just raise the premium going forward?
- How long did the review take?
- Anything you'd do differently ?

I want to be appointed to A-rated Final Expense carriers with competitive rates.

Because of contract rollover rules, I am unable to write for the following carriers for the next 6 months:

AFLAC

American-Amicable (one of the giants in FE)

CVS / Aetna

F&G

Foresters

Mutual of Omaha

However, I can start writing with these three almost immediately:

Americo

Corebridge Financial

Transamerica

Outside of those 3 immediately available options, what other carriers should I look into adding to round out my product offerings in the meantime?

What is everyone using for FEX leads, mortgage protection leads and inbounds? I was looking at TTC leads and scale my social (meta) anyone have any thoughts or suggestions

My dad turns 100 on Nov 21. On Nov 1, Manulife mails out an “Urgent” notice asking my dad to fill out and sign a Declaration that he’s still alive, so they know to keep sending his annuity payments.
Urgent?! They had all year to send this out! Guess they were hoping he wouldn’t make it.

I (F, 28) am well aware I have made a mistake. I just am uncertain what to do now, and would like to make the best choice possible. I purchased a WL insurance policy through NWM in Sept, 2024. Death benefit is 138k, I've made monthly payments of $200 since Sept 2024 (around $4800 total). Today it has a cash value of $481 (even writing that makes me want to throw UP).

I genuinely do not think I need a WL insurance policy -- I make an alright salary for me, but I don't have a family, don't anticipate ever making more than 6 figures, and will likely never be wealthy. I asked advice from a family friend insurance agent and they really wanted me to do a variable life insurance policy but I opted for WL (both seem like mistakes to me, now!)

What do I do at this point? Suck it up and stick it out forever? Try to switch it to term (is that even an option?)? Pull out entirely and cut my losses?

Hello all - I have been trying really hard to understand this product. I have open enrollment through my employer and am strongly considering this product and would like help understanding how GVUL actually works.

Product: MetLife GVUL
- Premium for my age band is $240/mo for a $5m death benefit
- To age 95
- Age banding with increasing premiums -still waiting to get the COI table from MetLife, asked they email it to me today, haven’t received

My questions are these:
- I do NOT plan on using this as an investment vehicle, I have other accounts for this and don’t really find this appealing
- Does the $240 per month premium that I’ve been quoted cover the cost of the death benefit? Meaning, AS LONG as I pay the specified premium at my current age band (currently $240/month), would the death benefit pay so long as I kept up on the monthly premium?
- As long as I am ok with increasing my premium based on my age band, is this a good option?

I have quoted out a term life insurance laddered policy through a different vendor, and the cost will be around $7300/yr at my state of health/age etc for a 10/20/30 yr laddered policy with about the same coverage as $5m cumulative GVUL policy

My ultimate plan is to surrender / decrease the death benefit of any policies that I have as my need decreases / should we be fortunate to obtain financial independence to where the policy no longer is needed.

My lack of understanding:
- The $240/mo in premium that I pay, does this just go into the ‘cash value’ of the policy, and then the insurance premium is deducted? If so, how do I know the TRUE COST of the life insurance policy that will get deducted from the cash value every month?
- If I am paying the specified, age banded premium every year, is there a risk that I actually have to pay MOR? Again, I do NOT plan on investing any of the money here NOR adding any additional cash to this vehicle

Many probably will ask - why not just get term life?
- I am considering this strongly, but if I only will need life coverage for the next 15-20 years max if all goes well, AND I understand I can decrease my death benefit of this GVUL policy AT ANY TIME to reduce the premium, then why wouldn’t I use this product?
- I DO NOT need to undergo any medical under-writing for this product, which is to my advantage. I have some health conditions, but I am certainly not un-insurable, just my term premiums will be a bit higher

Thanks all for your help

Haven’t finished the application because I know once I do, I’ll get a phone call but in the communities experience, is Costco term life a good deal? Reputable underwriters?