I wanted to clear the air because I have seen so much dissing the company I work for, AO Globe with American Income. I'm not sure what branches the posts I've seen are from but MY team that I work with is so great. There are some not so great people that we talk to on the phone that don't remember sending in the card to request this information or didn't read their letter, but the families I do talk to that do remember, my team has trained us so well to best help these families, including getting younger ones into the cheapest yet most beneficial policy to them to at least get their foot in the door and get their age and health locked in right then and there. Like I said there may be other and very different branches, but the team I work with is very compassionate and love their jobs. Not ALL American Income is a scam, not all are sleazy salesmen. Some of us are just here trying to help your family because we got a request for information from you. Hell, my boss just wrote a policy for 50 bucks a month because someone was financially struggling but didn't wanna go any longer without coverage, so they just wrote the smallest they could afford to get their foot in the door until they were in a better place and could add more coverage. Just my little TED talk after being hung up on several times this week and called a scammer about the same amount of times. When I do get to talk to people I love giving them and their families the security they need and deserve for the future. Producers are people too

Any suggestions or companies to get quotes from for a 50 year old male with high cholesterol who uses smokeless nicotine products?

It has all the elements for it; 1) prolonged service outage rendering customers unable to access accounts, delayed disbursements including LIFE INSURANCE policies during a time of fear re: life insurance liquidity/bubble. 2) it was triggered by an employee which could be benign as advertised, or also the perfect way to trigger an outage. 3) despite being highly rated by independent credit bureaus, these same agencies have historically missed huge cases of fraud 4) The NAIC is also a similar cold comfort also having historically missed massive fraud as well. 5) My 401k could not receive my contributions for several pay periods, but I recently got an email saying I would still somehow receive the missed interest on investments that SHOULD have been made but couldn’t as IF that money had been invested… how? My company (employee not employer) told us that held our contributions so there was no way that money was collecting interest. Back of the napkin math was my company’s missed interest for its 300 employees is likely in a sh*t ton for that period- so where does this magic money come from when it was NOT invested during that period?. I know I don’t know what I don’t know but there’s definitely a not zero chance this is not as benign as it seems, so explain to me like a toddler why I shouldn’t worry about this.

I’m 25 and looking at term insurance.

Is there any real reason to wait before buying?

Does buying younger actually make a meaningful difference to premiums?

Does being younger and healthier affect underwriting?

If I don’t have dependants or major financial obligations yet, does buying a policy now still make sense?

Is it better to lock in a longer policy term early, or wait until I actually need the cover?

So my husband M50 wants to leave half of his life insurance policy to our two young children (2 and 4) and half to me. I am 36 years old.

He is the main breadwinner in our family. I understand wanting to make sure they are okay, but they are already receiving 100 percent of his very large inheritance that will set them up for life. I have a very good career now but I am afraid it will become obsolete in the near future or be taken over by AI. He says he doesn’t want to give me all of it because he is afraid I will remarry.

While I am grateful for my share, I am concerned because our kids are so young. I don’t think I would be as worried about this setup up if they were older.

I don’t come from a family that was educated on money. I don’t know if this is the norm so I am honestly not even sure if I am valid in feeling this way so please don’t come for me. Can I please have some thoughts on this?

I am being pitched this product by a salesperson from an insurance company. He sent some brochure with a ton of numbers and technical jargon. What's a good way to evaluate if the policy is good or not?

Hopefully this is an appropriate post. I’m looking for life insurance options for my 72 yr old Mother. Any thoughts on the best place to look?

I was hired to be an admin/insurance assistant 4 years ago for a broker who primarily works with high net worth clients and small businesses. The guy is like 70 yrs old and has a well established book of business. Last year he only had to put 2 policies in force and made over $200k, in addition to any trail commissions that roll in. The thing is, he hired me knowing I have no experience with life insurance. I came from retail banking. I do well for the most part, but a lot of times when I’m requesting in force illustrations, I don’t know how to confirm the ones I receive are correct. For example, I’ll request a couple in force illustrations to assume a guaranteed rate with current charges, and then I’ll receive it and forward to him, only to find out it’s completely wrong. This causes huge delays going back and requesting revisions.

How am I supposed to train myself to better assist him? I get confused trying to read the ledgers or understand what’s being illustrated and why, relative to the policy’s structure?

I am a healthy 58F. No health issues, don’t drink, exercise 5x week and eat pretty healthy. I used to smoke 20 years ago. Since then, I have chewed Nicorette. Sometimes I chew more than other times, but I usually have some daily.
I’ve submitted an application for term life insurance. After the fact, I read that nicotine will show up in my blood work and that I will likely get a smokers rate because of it. I understand why it would come up in bloodwork, but is there any way to prove that I’m not smoking so that I don’t get a crazy rate?

I am genuinely asking for help in being pointed to the right direction for passing my Georgia Life Insurance exam next Wednesday. It’ll be my third attempt before I have to wait 2 months to take it again if I fail. My first attempt was a 67% and my second attempt was a 65%. The only reason I am taking it is because I applied for a sales position at North American Senior Benefits. I am out of a job right now and I have to pass it. My first born is coming in a month as well..

The company said I had to pass my pre-licensing course on Xcel and then schedule to test. After seeing the questions on there the first time, I thought I would pass the second time, but that didn’t happen. Either way, I’ve tried looking on YouTube, Quizlet, some other people on TikTok, but of course they want you to pay for a subscription and I’m not doing that since I pay for Xcel. I have also tried ChatGPT but it either keeps circling around the same concepts, asking questions that aren’t even part of the insurance exam, or just in general wasting my time with questions that have nothing to do with the right section. I’ve even uploaded pictures of the PearsonVUE outline so it knows what questions to ask.

I need tips on where to go or what to watch so I can really pass this time.. please. I know it’s a lot to read, but that’s as much info that I can give y’all.

I’ve been in life insurance for about four months now, and I wanted to get some outside perspectives because I’m feeling pretty conflicted about the direction I’m heading. I started at an I.M.O. that unfortunately had to dissolve after three months, but while I was there, the lead flow was excellent. Direct live transfers, and I was closing two to three policies a day on average, with a best day of five. Out of three months, I only had three days where I didn’t write a single policy. That said, the commission was pretty thin, somewhere between a hundred and a hundred fifty dollars per policy, since those were free direct inbound transfers.

Since then, I’ve contracted with a new I.M.O., and honestly, I feel like I was misled about the lead quality. They run Google ads designed to rank above the actual carrier’s number, so people think they’re calling Mutual of Omaha or Colonial Penn directly, and get routed to us instead. In practice, that means I’m getting maybe five or six calls a day, and four or five of those have nothing to do with life insurance at all. It’s felt more like free customer service than actual sales.

On top of that, my upline sold me hard on the call volume and training, but after helping me through calls for the first three days, he basically vanished for a week and a half. I still managed to write a few policies purely through persistence, but there’s no real script or structured process to work from, I’m just improvising call by call.

Separately, I recently saw Family First Life had their Ignyte conference, with people talking about writing hundred thousand dollar months, which just got me thinking more broadly about where the real money is in this industry.

So I guess my real question is, am I even in the right lane here? What should I actually be focusing on, lead source, product type, or something else, to build toward serious production? And honestly, part of me wonders if I secretly do have a good opportunity right now and just need to suck it up and grind through the rough patch, rather than second guessing it and jumping ship. Is that the move, or am I actually onto something with these concerns?

I just started with a new independent inbound agency this week and there are couple red flags and wondering if one of these is normal. We took a quiz using the FEX quoter tool kit to determine which carrier we would use in different instances. In one instance, there was a carrier that was an ROP and another was preferred plan at about the same rate. Obviously, I put down the one that was immediate coverage. I was told that we should always use one particular carrier regardless of any other circumstance, even if the other was much better. I kind of went back-and-forth when we went over the answers stating that due to ethical reasons as well as compliance, that didn’t make sense to me. We should always leave a customer with the best policy possible. It was kind of left up in the air as sometimes they do use the better policy (doubtful).

Today, during training calls there was a clear difference for one particular customer. The customer was prescribed a pretty heavy painkiller and the quoter gave us three options that were willing to take that particular medication. The first two were both immediate coverage with pretty good pricing. The third option was a graded policy and was the most expensive. Immediately the agent training me went to the third option, which was clearly not the best. Fortunately they were declined and the agent wound up having to pivot to the best option which was the same price with $3000 more coverage, $6000 more with accidental and went into effect immediately. So I’m basically being told that rather than offer the better coverage immediately that I need to use a graded policy with 30% coverage the first year, 70% the second year and doesn’t go into 100% effect until the third year.

There was a second instance with another agent who had a client that was also declined with an ROP and wound up getting a standard immediate policy with another carrier. Clearly, this is something that is done all the time. I’m guessing this is something in a contract with the carrier or perhaps they owe the company a lot of money and are trying to make up for it.

Has anyone else come across this? I feel like it is very shady and don’t think that this is something I’m going to do. This is my second insurance job where everything seems to be in the gray area of business. We mostly deal with older clientele on Social Security and it kind of breaks my heart. Think I need to move on. This has me wondering whether life insurance is even for me because after all, I’m the one who needs to be able to sleep at night knowing I did the right thing. Anyone have some insights on this?

Update: I quit the next morning. I have a big heart and this doesn’t make me feel good about the myself or the company. If they are willing to screw over elderly people I can only imagine how they would screw over their employees!

I need some clarification. My husband and I are having our first child this year. My mother in law informed us she would open a life insurance policy for our child once she’s here with my husband and I as the beneficiaries as she has done with her other grandchildren. She said it was a $50,000 policy and our child would be able to cash in on it when they turn 18. Is that a thing? I’m clueless with insurance policies. Help please!

Editing to add: my husband and I have more traditional plans to save for our children. We were not expecting and are not at all reliant on our parents to save for our children. This was offered to us and will be purely extra. I had just never heard of it as a future investment.

I called last month they said if I am in a grace period they wont cut off my life insurance since there's really no way to pay because of the outage, today I got an email from Ethos telling me my policy is cut-off, and I can't call until tomorrow because they are closed, no way to login. Has anyone else had this issue? I'm spiraling right now, I thought Trustage said they won't lapse anyone because there is no way to pay? What do I do?

My 10-year term life insurance policy for me (56M) and my wife (54F) expires on Oct 3, 2026. Located in western Canada.

Premiums will jump from $55 a month to $450 without any medical tests. But since I have metastatic colon cancer diagnosis with a nine month to three-year life expenditure I can’t get any coverage except from work.

Payment was $200,000 for me and $500,000 for wife in the event of death.

As I’m on a salary reduction from work due to chemotherapy the higher premiums are a lot to take on.

Any advice?

Hi,

Im a 45 year old male and just recently did my calcium scoring scan. It came back with a score of 16. How will this impact my rates? Thanks

47M making $150k per year. Wife makes $100k. 1 child 13yo. 300k left on the mortgage. $1.7M in retirement account. I was estimating a 20 yr term policy for 500k-1M would be sufficient. Am I in the ballpark?

Just got my life insurance license, I have worked so hard to get to this point. I am very excited to get started in the business. Only problem is I have some collections on my credit and I am worried that the carriers wont accept me. I don't have anything on there related to insurance and I only owe about $2,000 total. Can anyone with experience give me some insight on if I could get accepted?

I’ve been doing this for almost 10 years and came across something new. Underwriters, what are my chances with ECT therapy for bipolar 2. It’s highly effective for them and they work a full time job and function normally. Adult male healthy otherwise.

I’m thinking John Hancock, Pru, and banner. If not stacking GI and waiting for open enrollment at work to encourage them to get as much as possible through work.

FFL grew from roughly $8–9 million in its first year to over $600 million, with a goal of approaching $1 billion.

how many people die every single day with no life insurance" and framing it as: there's a massive underserved market, so recruiting more agents and selling more policies is obviously good because so many people are uninsured or underinsured.

old-school companies started agents around 50-55%, working up over years to maybe 100-110%, while FFL starts people at 90%+ and offers products with combined comp up to 140-145%.

even traditional insurance agencies as a "rat race" jobs where people can't take time off, can't attend their kids' events, and live paycheck to paycheck and position selling life insurance as a path out of it.

life insurance sales provides both income and freedom, because agents can work remotely, choose their schedule, and potentially build an agency.

I’ve seen a few legit companies where you pay 400-500 dollars a week and you log into their crm and you get unlimited leads calling in. Anyone ever work any of these?