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@qity What was the consequences once there catch the location descrepancy

@artanis Have not prepaid, need to sign the edelivery and provide payment details. Yes did email the agent as well

@artanis Pacific Life

I had applied for Life insurance, it has been approved and have a eDelivery to be be signed. I completed the application and medical exams while I was in USA, it took them a while to approve and send the docs. Now I am traveling in a different country and I am, staying here for total 32 days...

I was reported to have A1C of 6.2 and diagnosed as pre-diabetic on 10/2023, but my medical lab report for life insurance came out at normal range 5.9 which was done on 12/2023. Does this mean I will be getting more favorable health class or does not help much, even though the reports came out...

@bethellens Do you mind elaborating a little bit, I m struggling to figure this out, agent basically agrees to what I say, so not much help!

@bethellens 10 time current income 10k a month at 4% return which covers current expense, if one of us can’t work and take care of kids

@bethellens What is joint life rider ? Please help understand

I guess the main question, i am trying to get to is, how to ladder for most beneficial outcome?

@levnishbar The price saving from doing so would be just $500 a year, is it worth breaking that down, given that she might have to pay much higher later if we need to buy more...

@firebynight When decreasing the face value is the reduction in premium proportional , like would it cost the same as buying a lesser policy now? Or since u are locked in insurance company will charge u more than lower policy right now?

@structure Got high cholesterol under control with meds for 2 yrs and recent pre-diabetes diagnosis was told to diet and exercise. I was quoted for standard table 2.

We are trying to decide how to structure our term life policies, any suggestion would be appreciated. 38 M and 37 F, with a 6 months old and 3 year old kids. We will be buying a new house around 800k sometime soon. We make 250k each. I think we need 3M in total coverage, 1M for mortgage...