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@wmaphumulo Put your pride aside and get a job, anything in fact.

@devonboy The insurance company would only pay out to who ever the beneficiaries are or the estate. Look at bank statements or find old records.

@tannerking1 You are truthfully the type of agent that A. Doesn’t last in this business B. Gives agents a bad name selling garbage products.

@tannerking1 You have no idea what you are talking about.

@tannerking1 Term insurance isn’t meant to be carried your entire life….it’s for when you have a high need for insurance should something catastrophic happen. Term insurance = the lowest life insurance premium, how is she not going to have retirement savings?

@tannerking1 Also you are on your 5th day of being an agent. It’s cute that you are pushing IUL, looking for those high premiums eh?

@trnubian Term term term. You have kids and debts. Take your annual salary gross times 28 (65-37). Human life value.

@tannerking1 You won’t go far in this business.

@remnant502 Find a different agent. His morals are flawed and if I was you I would now question every recommendation he makes.

@dinkold That is poor advice, that is knowingly committing fraud just an fyi. Nicotine in the bloodstream or not they are going to ask the question of any tobacco or nicotine usage in the last 12 months. He will be a smoker rating. Also the agent is knowingly coaching and that is 100% a fireable...

@qity That’s fair, I can’t argue that. I’ve worked/work on both sides. Previously worked at a broker and did no insurance, now I’m an FA with a mutual company.

@qity Most? That is a outrageous claim. Edward Jones, Ameriprise those FAs yes you could be right. Companies like Mass Mutual, Northwestern Mutual and New York Life their FAs started with Life Insurance and every good FA should know how important Life Insurance is.

@sunshine Again, GROUP insurance the GROUP insurance with no exams the insurance company is insuring the group not just you. Why would they ask if you attend church? The questions are meant to gauge risk.

@littlefish40 An insurance company is never going to over insure you. Look at human life value which at 150k you should be insured for 3 Million.