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  1. M

    American Income Life

    @vicatekdng866 they only have a 2 year contestability period to make changes/reevaluate your rating, so youre good! even if your bday or gender was wrong and you're paying less than you should.
  2. M

    Whole or Term?

    @deltoots term for income replacement and cover debts. ie, a 20yr term large enough to cover the child expenses thru college, or a 15/30yr decreasing term to match your outstanding mortgage. if the company doesnt have "return of premium" riders for the terms, find one that does. this essentially...
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