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@dbg24 Sorry I took it California not OK.

@dbg24 The exam was sooooooo much easier than practice ones.

@aatif How does it not mean exactly what it means? You can customize exactly how long you want to pay. Want to do 5 years cool want to do 17 cool, 63 cool. It’s literally custom pay whole life. It’s literally customized to the customer. It couldn’t be more clear than that

@aatif Custom just means it shortens the pay period to less than whole life (100yo) That’s it it’s not marketing

@markster7 Oh wow. She has lived and experienced a lot at such a young age. She could do a single pay ltc payment and it’s 100% refundable and comes with a death benefit if she never uses the funds, but doesn’t make her sell off her assets to pay for health care. Best part is family can be paid...

@markster7 I would also look at long term care for your mom so be your dad is not around. Health care always eats away at peoples retirement savings. Have a plan in place to cover that

Yes those amounts of coverage will typically require blood panel. Taking a non smoker rating has triggered expressed underwriting (no blood panel) for a quite a few clients. Have you considered any permanent options there are high net worth options that don’t require medical bc it’s weighted...

@markster7 Your athletic build will not be a problem if it’s notated in the policy to underwriters. What kind of coverage are you looking to get? A lot of options out there with no medical check or blood draw

@kittyb Never IUL

@ryan_russell 100% IUL are garbage. But there are other products. A straight term is just throwing money away.

@ryan_russell It’s not expensive and will pay for itself. Roth is great but he has to wait 30 years plus to get the funds. Whole life has its advantages especially being so young. You don’t know his situation so you can’t really speak on if it’s right for him or not.

@hu1tz Cashing it would not be very smart it’s paid up just leave it. Borrow money if you need funds but cash value is only going to increase larger.

@viridiana What were you rated health wise? This isn’t a terrible costs for what you are getting but could have gotten more Db. It’s smart to have gotten young. Your cash value and death benefit will continue to grow. What was the intended purpose for this policy? Do you have beneficiaries who...

@viridiana Declined being too young?!!! Never heard of that I help put together policies for 1 year olds all the time! With out more information no one will be able to tell you if it’s good deal.