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@vanillakay You can't have it both ways. You'll need to decide what fits best. The 1099 side where you make your own schedule, buy your own leads, work as independent, and get a higher commission, or the W2 side which is more scheduled base. Sounds to me you want all the work done for you while...

@hopelesslysaved The earlier the better. Always. I have 3 policies on myself. One is term and two are permanent. Everyone has different needs.

@rlb 1 million is perfect. It's not over kill at all. Think of it this way. If you die tomorrow, your wife won't have to change her lifestyle for next 20 years since you have exactly 20 years of your income insured. This means your kids won't have to change their lifestyle either. I wish more...

@carnelia If price is all you're worried about, then don't get it at all.

@jane3322 A downside to canceling your IUL is if you truly needed the protection. Getting a term policy is actually tougher from an underwriting perspective than an IUL so make sure you keep that in mind.

@noelle_likechristmas This is a prime example why people need to take life insurance more seriously at such a younger age. You could have had a 5 million dollar 30 year term at age 32 for nowhere near what you've been quoted now for it. It's so much easier to over insure at a young age and back...