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@trnubian Sure. There is no reason for you to have a term product since you are a woman and will likely be alive in your 80s. Instead you depending on your income you should invest in a cash advantage IUL as well as purchase a regular whole life policy or just get a whole life policy and look...

@caitlynlovesjesus Debatable. A very healthy adult should not be looking towards a term in my opinion. They should be betting more for a longer run or urgent just wasting money.

@trnubian Please don't listen to my haters. I highly suggest for you to go for an IUL in case you die with the least amount of death benefit you think your family will need and put everything else into an S&P now the IUL is kinda pricy at target premium if you can't do target premium just don't...

@dbg24 if ur not using examfx/kaplan it is automatic fail.

@amit1605 Tax. Free loans and I think cash value basically it can build up to a lot 2.5%-12% per month or something. The numbers kinda confused me but if you have money you make more money.

@jeshurun1111 By the time you upgrade it is going to be even more expensive due to your updated age.

@jeshurun1111 Then whole life is appropriate since she will outlive the policy

@jeshurun1111 Nah because the IUL will be set to cover her family needs, hence why I said IUL & S&P.

@noguru Honestly if I were doing this I would phrase it in a different way. Her telling to wait 2 weeks for a medical exam is kinda xtreme. Don't get my wrong I'm a sleezy do it my way type of agent. I make money. It is the way, but I'm also methodical about my practices to cover my traces...

@noguru Honestly if I were doing this I would phrase it in a different way. Her telling to wait 2 weeks for a medical exam is kinda xtreme. Don't get my wrong I'm a sleezy do it my way type of agent. I make money. It is the way, but I'm also methodical about my practices to cover my traces...

@noguru Honestly if I were doing this I would phrase it in a different way. Her telling to wait 2 weeks for a medical exam is kinda xtreme. Don't get my wrong I'm a sleezy do it my way type of agent. I make money. It is the way, but I'm also methodical about my practices to cover my traces...

@noguru However, if you failed to disclose convictions for driving while intoxicated, that could be grounds for denial, but only if it’s discovered during the contestability period. After the contestability period ends, these convictions typically would not be used to deny the claim, Weisbart...

@resjudicata life health medicare

@resjudicata Yep. Most people aren't thinking about that and they run low/run out of money when they're older it's a good thing I'm here to persuade people to go on the right path.

@noguru https://www.freeadvice.com/legal/what-if-a-person-lies-about-smoking-or-tobacco-use-when-applying-for-a-life-insurance-policy/ The answer to your question is. If you die within 2 years and they discover you smoked Tobacco your claim will likely be denied. If you die after 2 years and...

@gill82 what does cv stand for?oh cash value but ya the idea is that they more pay more early and develop higher cash value for retirement. i just need to figure out the math of everything

@mahyrah thanks ill look into it

@612to907 She needs to put her savings towards something that can build wealth if she can afford it.

@612to907 AHAHAHAHAH! You're following my agent journey story! Day 6 will be pretty boring just studying the, but no honey I was captive like a bird before I realized how to set myself free.

@mahyrah Pretty much market has fluctuation and you have up and down period of loss, while iul has no downs only ups.