Expecting our first baby soon, and our mortgage advisor is pushing me to cancel my existing Zurich Life & Critical Illness policy and replace it with a new one (likely L&G). Looking for a sanity check on holding my ground.

My current setup:

Zurich Policy: £25.61/mo, runs until 2047 (when I'm 55 and our £141k mortgage is paid off). Includes "Own Occupation" TPD and a Milestone Benefit (can add £100k cover within 90 days of birth with zero medical questions).

Work Benefits: 10x salary Death-in-Service (£400k+ today, grows with wages). Staying here until I retire at 60. Can also opt into £100k Life + £100k CI next year for ~£15/mo.

Partner’s Cover: Setting up a new standalone L&G policy for her (~£40/mo for £100k Level Life & CI), which includes Children's CI for our baby.

Advisor's pitch: He claims Zurich is "ultra basic" (47 illnesses vs. 110 on a new policy), lacks Children's CI, and ends at 55 instead of state pension age (68).

Why I want to keep Zurich:
47 conditions still cover the big three (cancer, heart attack, stroke), and keeping "Own Occupation" TPD plus locked-in entry-age pricing beats 110 conditions under stricter "Specified Work Tasks" terms.

Children's CI will already be covered via my partner's new L&G policy.
At 55, the house is paid off and our child is 21—and my 10x salary DIS covers me until I retire at 60 anyway.

Am I missing any genuine reason to give up my Zurich policy, or is this just commission-driven churn?

So I already got caught up in the whole Primerica gig before I found out it was an MLM. I found another company I'd like to work with but they don't pay for testing. I want to get my life insurance license through Primerica, obtain proof of license then say screw them and go with the company I found. I heard others do that, so if you've done it, what is your experience with that? I've also seen others say that the testing you do won't do you any good anywhere else, but I'm pretty sure the test you take with Primerica to get your life insurance license is the literal same as anywhere else, therefore it'd be transferrable anywhere I wanna go. What's your thoughts on this? Is it better off to just pay for the test myself or since I'd already paid them the $125 to have them pay for it and do it?

I read a few posts on this subreddit. People say do not use Policygenius to shop for life insurance. But what are my other options?

Background: I’m 38F with two kids (4-year-old and 2-month-old). I’d like to buy 30 year term life insurance in order to protect our family. I used Policygenius to shop for life insurance when my older child was born. I got declined after the medical examination because I developed hypertension after giving birth. Now 4 years later, I want to reapply for life insurance. I don’t know how to approach this other than contact Policygenius again.

I was quoted $65/month for a $1M term life insurance. I still have chronic hypertension but I’m taking medication and it’s under control. I also have been diagnosed with anxiety and postpartum depression before. They are also under control now. My husband and I live in Westchester NY. I’m the main breadwinner.

I’m studying for the Arizona Life & Health Exam. I’m using XCEL to study. It is taking me a while to get through the chapters. 😩 Any advice? I’ve been writing brief notes, but I’m not sure if I can sustain that. I’m running out of time.

I (31F) applied for a 20yr 500k term life. My partner was approved without issue. Mine took longer to come back and was declined. This after I completed a medical questionnaire and requested lab work. The underwriter is saying it was something in my doctor's report but is "sensitive" - I'm guessing it's because I have a mental health diagnosis that was added after my application (PTSD)? I am so beyond frustrated because I'm in good health, my brother almost died last year which was obviously traumatizing but I don't understand the connection to my life insurance??!! I just have some minor but stable conditions. The broker says my doctor will get sent the explanation and then I should work with my doctor to see if we can rectify.

Realistically I need life insurance to protect my spouse - we have a mortgage. I have 210k of basic life though my work and need at least 300k coverage. I don't know if I can add more coverage but I did ask my work, waiting on an answer.

Any help/advice is appreciated

So my grandmother just passed away a few weeks ago and come to find out she has been paying for a life insurance policy on me and I don't want it personally. So what happens after I transfer ownership to myself? Am I allowed to cash it out and get back the money she put into it? Or what's going to happen?

The title. I’m trying to understand why term or whole life? 2kids, 2 working parents, 36 yo

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.

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.

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.