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@linc84 Sounds like you would be selling for final expense company. It has a high turnover rate for the reasons you mentioned. If you can afford the licensing on your own, do life, health, and accident, you are better positioned. You could try look at remote telesales to get some experience.

@lyfia The application will ask if you have been told to get medical tests or are pending test results. As previously posted, unfortunately you need to wait for the biopsy results.

@courtneyatzn First, IMO you should not DM anybody on this sub that posts to DM them for more info. Second, with the limited info you put would be a 10-year term for you and your wife and it would most likely have some sort of table rating, surcharge. Best would be to contact a broker, because...

@tass AIG, Banner, Protective, Principal, Transamerica, and more have companies that have 30 year term. Also, they almost all offer a living benefit or critical illness rider.

@tass Also, try and work with an independent agent instead of captives, especially ones that are primarily home and auto or only on-line quotes. The agent will have multiple companies and know which one(a) underwriting is more favorable for your heart murmur.

@cmd You are right that life insurance isn't intended to be a financial windfall for the beneficiaries. If you want it to cover your debts then you would appear to be have a $450k shortfall. If you know some of the debt will be paid off sooner than others you can get shorter length term...

@christiansworldwideweb At 34yo the term would be significantly cheaper. However, it eventually is going to reach the term period and end and then your options to replace will be much more expensive and limited, like 10year max. So, it seems the IUL is a suitable option for you. If you are...

@littlefish40 To clarify it is not if your wife would never go back to work. When I ask most people with kids they all say, yes go back to work however wouldn't want to do it FT time immediately. Most seem to say their ideal is 6-12 months off with the kids and then PT for 6-24 months...

@littlefish40 Social security income will be for the children only and stops at age 18, your wife can't collect survivor benefits until age 60. How much will your wife need to maintain your lifestyle? Is the expectation that if something unfortunately would happen to you she would go back to...

@pelipeli It isn't normal for anyone to ask you to sign a blank contract.