Search results

@trnubian You a have an annually renewable term your premiums will increase every year. I think the first comment on this post has the best explanation. You should probably seek a policy outside of your job especially because you have young kids and the converges you have seem to be inadequate...

@linc84 Sure, I'll shoot you a message just accept the invite👍

@rtld Nothing you can do. Except make sure your affairs are better taken care of so this doesn't happen there are better ways to avoid this in the future for you

@linc84 Well we can have a private conversation if you'd like I can show you how to get started the most cost effective way possible and give you some free pointers on some funds that I recommend and use myself

@tv0689 Don't do it bro lol stay away unless you have fully funded every other retirement plan known to man first and still have tons of cash to burn. Idk if your goal is income protection or retirement supplementation but if it's just insurance there are better options if it's savings there are...

@linc84 Completely different I'm a mortgage broker and investment advisor. The bulk of my money comes from residuals on the investment side.

@lyfia There are companies that have guaranteed issue policies find a broker or a financial advisor to help walk you through it I can send you a link to reputable brokers if you want

@delling1000 Social media is not the best place to seek professional advice that being said, today is your lucky day as I am actually a licensed financial advisor. So the answer depends on what you're looking for in your policy besides price. People are so concerned with price that they forget...

@atheist_1223 No🤦‍♂️

@tamimolina888 Yea it's probably a key person policy. That's the other part that sucks the insurance part of your policy isn't even gaurenteed your death benifit is up to the proformance if the investment account inside of your policy which sucks because the death benifit fluctuates so if the...

@atheist_1223 So I guess if she’s dies we can just make a go fund me then🤡

@linc84 Tele sales is better but honestly life insurance can be a burn out. That's why I diversified my business with other licenses that allow me to do more things. The time freedom and money are amazing. For the first time life made itself easy for me.

@jas9108 Exactly! That’s why seeking advice on Reddit isn’t the best idea lol that dude doesn’t know what he’s talking about fortunately for you I happen to be a licensed financial advisor shoot me a message so we can chat more.

@tamimolina888 Absolutely! Get a term policy and open a Roth IRA, max out your Roth with the expectation your term will expire in 30 years and you will accomplish the same goal for $600 a month cheaper than you're currently paying.if you need help setting this up send me a pm.

@tamimolina888 Because your partner's have no idea it's questionable. I can gaurentee you the agent that sold them this policy showed them an illustration of how much money they would have after investing in this policy for years and being all about the money your partner's were like hell yeah...

@jas9108 That is an excellent price for $500k on a 30 year you must be young. My advice to you would be to invest in a Roth IRA with the idea that your life insurance will expire in 30 years that way by the time your insurance expires you'll have like 800k saved up and you won't need insurance...

@tamimolina888 Your lawfirm was sold a bad policy I see what they tried to achieve but the problem is they inadvertently screwed y'all by doing this. And variable universal life policies are probably the worst flavor of all ULs. You need a securities license to sell those which means an agent...

@foto2014 Smoking usually sends your premiums through the ceiling. If they know you were taking chantix the best thing to do is not lie about it just explain you stoped smoking a year and a half ago and you haven't smoked since. Typically life insurance companies like to have you off cigarettes...

@exoduskamman Nice! So he’ll be perfectly fine just tell him to get an indexed annuity it’s much better and it grows tax deferred he won’t lose any money he won’t need to borrow his money and he’s not exposed to the market far superior to IUL only thing is he has to be old enough to

@exoduskamman What state does he live in?