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@noguru You can get your smoker rate and work on quitting smoking. If lowering your premium is really what you are after, then you can make it work. Get the coverage you need to protect your family. Given that your health hasn't changed in a year, reapply and see if you can qualify for...

@bethellens Fuck that... report her and save the rest of us from being labeled as snakes like she is.furthermore if you are in insurance sales and don't recommend reporting her then exit the business. If you can't do a job honestly your not good at what you do.

@charvelguy Best of luck to you.

@charvelguy That's a terrible way to structure IUL, and you won't convince me otherwise. Your policies WILL lapse.

@kittyb Do not buy that IUL that is structured terribly and will put you through a lot of risk. I have talked to many clients who bought UL type polices that will not last and endanger of lapsing because they were sold as cheap alternative to whole life and thats what this agent apears to be...

@caitlynlovesjesus No. This is just an example.

@r3g3nt I agree, but the death benefit can be different based on age and gender for a non tobacco male age 45 with 1,000,000 DB gives a target premium if roughly $18,700 while the same 1,000,000 DB for a 5 yo gives a target premium of roughly $4,600. The deathbenefit drives the target, but it's...

@qity All good were on the same team, it's just the word I chose in the moment. We both meant the same thing but got there in a different way. I converted a WFG agent on my team, and it's been hell correcting everything they taught her about IUL and Annuities. I have interrupted numerous...

@qity See my other comment. You both attacked me at the same time.

@richardtus Still not seeing your tie to buy term invest the difference.

@jane3322 The death benefit affects the commision very little it's the target premium and the annual premium that affects compensation. At any rate, you may be able to have that premium returned to you. But again, I would look into an LTC policy. I don't think she intentionally did anything...

@richardtus You can always tell when an acronym enters the room. No where in the OP's post or mine did we speak of investing. Yet here we are talking about buying term and investing the difference. Both post address the fact of buying LIFE INSURANCE and how later in life some folks can't...

@jane3322 I don't think that's a bad idea at all. One thing to think about that the IUL offered inexpensively was long-term care. Long-term care can decimate a family's savings and make life more difficult for those relying on you daily. Reach out to a local independent agent and ask them to go...

@derpytia I don't mean to post this here in your time of need, but people need to see this. This is why it is super important to purchase a whole life policy while you are young. If he had purchased a whole life policy that builds cash value even at the minimum, the automatic premium loan rider...

@hannahjane Didn't think of this. Absolutly do this. Try until you can't

@aelfex You're welcome.

@aelfex Look at protective life and prudential. They both offer good rates on term. Based on the info you've provided and the carriers I work with, it seems to be a decent quote. Do you need 1 mill, or is it just a number that sounds nice. It's old school, but take your annual salary and...

@jpbdos If you passed the Kaplan test, you will be fine. Just go in and read the questions thoroughly, and them answer what come to you first and move on. If you know it, you know it. If you don't, you don't. Don't overthink it and relax.