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  1. C

    State exam

    @dbg24 When is your exam date?
  2. C

    State exam

    @dbg24 I passed with Xcel dude
  3. C

    Life insurance

    @jmannramirez Yes and no. Because first gather all the info. Some clients want long term care or living benefits which some terms don’t even offer. I’ll definitely mention a term if it doesn’t make any sense for an IUL or whole. Today I’m helping a client out with a term because it just makes...
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    Life insurance

    @jmannramirez Absolutely right. You can’t hit the min on the IUL and expect it to get cash value. Everything is just case by case. But that’s why I put the no lapse guaranteed and structure it to last until the XX of years they want. Hey the minimum is $100 with no lapse guarantee you said...
  5. C

    Life insurance

    @daniel You as well my good friend
  6. C

    Life insurance

    @daniel You won’t convince me other wise that it will not lapse lol
  7. C

    Life insurance

    @daniel I work with all the products but IUL isn’t horrible. You just need to properly structure it and be transparent. I structure it as no lapse guarantee monthly premium. And structure it to there liking of I want to stop paying by age xx. I read everything with them. Term is great not...
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    Has anyone ever heard of Global Financial Impact?

    @nonamend Yeah dm me no worries
  9. C

    Has anyone ever heard of Global Financial Impact?

    @eleader22 They are new starting this year. CEO is Eric Olsen. He was with WFG and made millions a year but got into some lawsuits with WFG for some shady shit he did. So to protect himself he lawyered up and he was terminated by WFG. So he ventured out and created GFI with WFG trade secrets...
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