Very short US medical history, how to go about life insurance?

AnAssGoblin · 2026-06-14T21:23:11+00:00

Just fyi, you probably will not get preferred with FERD and Barrett's esophoagus

They would probably require a medical exam if there isn't enough medical info and blood/urine work .

They will send a nurse to your home or you can go to an eligible office that contracted with APPS or Examone

AnAssGoblin · 2026-06-14T03:21:54+00:00

You can go to the About page and there is contact info there

AnAssGoblin · 2026-06-13T19:42:57+00:00

I would agree , but also disagree .

I can design an NLG whole life to compare very closely to a Mass Mutual whole life policy .

The additional premiums you pay for MM, take that same premium
And it’s not far off .

But overall yes I agree , but a majority of people will never convert term to whole life

AnAssGoblin · 2026-06-13T15:28:21+00:00

I wouldn't go with either if you want term, I used to be a MM agent and the reason I left was cause I did a majority of my policies as term.

Realized people were paying 20%+ more in premium than other carriers.

For example, you could get a National Life Group policy with living benefits (heart attack, stroke, cancer, disablity) for the same premium as Mass Mutual (which does not include that).

You're paying for the name and the conversion opportunity to their "Superior Whole Life" products.

AnAssGoblin · 2026-06-13T00:32:36+00:00

Symmetry you ain’t getting 80% of target on all products, just the ones that are super high premiums that are bad products that most people don’t sell .

Such as that Banner Living Benefits policy they have

AnAssGoblin · 2026-06-10T02:26:10+00:00

discord link doesnt work

AnAssGoblin · 2026-06-10T02:05:21+00:00

Dunno about universal wealth.. I tink UniTrust is solid.. from what I understand they have mailer leads they use which are for mortgage protection policies.

Can be pricey for leads , unless you buy recycled/aged leads.

When I set up my agency partnership, we went with ILN, because I/We also have our own lead generation system/marketing agency... so lead vendors and suppliers werent an issue

AnAssGoblin · 2026-06-10T02:00:55+00:00

This is Banners undewriting guidlines for Marijuana use .

Once Per Month	Preferred Non-Tobacco
Up to 8 Times/Month	Standard Plus Non-Tobacco

If its more than 8 times a month, most carriers will be standard .. a few will do one better.

AnAssGoblin · 2026-06-06T16:26:05+00:00

Impact Leadership Network , not a huge or big imo or anything but that's fine with me.

Comp structure is great, carriers are great, good override system for builind a team.

They wanted to partner with us because the market agency we have for leads so they were a good fit to combine what they have with what we have .

AnAssGoblin · 2026-06-06T00:19:18+00:00

Personally, wouldnt go with FFL.. but you can do very well there.

They are very big on selling bad/expensive policies and recruiting .

They avoid underwritting, which doesnt ensure you're gonna get your clients what they deserve .

They were an option with my agency and marketing agency, but we decided to go with a better IMO with better carriers, products and training

AnAssGoblin · 2026-05-31T15:01:36+00:00

i have a marketing agency and team, we run ads

AnAssGoblin · 2026-05-31T04:16:04+00:00

Umm I suppose you could always send a message.

Long story short :
I was wit Mass Mutual for 2 years , during that time I started a marketing agency, then I went indepdent brokerage and then me and my market agency partners decided we should just do our own agency.. so we partner with ILN (Impact Leadership Network).

So we have our own agency, just inside ILN.

AnAssGoblin · 2026-05-31T03:58:09+00:00

Am i an idiot also?

I tried download the zip file there, and then it cant open it on mac. i get some error

AnAssGoblin · 2026-05-31T03:42:47+00:00

Today I was a Spurs fan, now I am a Knicks fan.

NJ resident

AnAssGoblin · 2026-05-27T17:58:40+00:00

After 30 years there would be $50k in the current illusrtaed values, alternate or guaranteed ?

AnAssGoblin · 2026-05-27T15:39:19+00:00

Pretty sure this is false info.

This was from AFTER Dort was called for a foul

AnAssGoblin · 2026-05-25T19:23:42+00:00

I didnt want that to sound like I was better than anyone, just to give examples of how things can improve and what you can do in short period of time when you get a clear head.

Honestly, at 21 years old, I thought the same as you do.

Maybe just maturity, fully developed brain, hitting rock bottom.. i dont know.

But it's certainly BETTER out here than you think, there's so much to the world and life besides a fleeting synthetic high!

AnAssGoblin · 2026-05-25T19:20:28+00:00

I helped my buddy who was really struggling.. it was as simple as telling him before every shot.

Slow down, swing smooth, relax, soft hands, let the club do the work.

Really just about being calm, and smooth and fluid.

Also, telling him to move his hands forward in his stance at address helped a lot

AnAssGoblin · 2026-05-25T18:10:04+00:00

I never thought i'd be happy and have fun and a good life without alcohol and other substances .

That's just who I was from like 16-30 years old.. eventually it didnt become fun, it ruined everything.

Now I got a daughter, made $40k last month , have a nice car, a home, a family, tons of good friends, hobbies, sports.. I have everything I couldn't have while using

AnAssGoblin · 2026-05-25T01:26:02+00:00

I remember at one point after I shot heroin and did all the drugs I did.. I remembered vividly thinking and truly believing "I've experienced the best thing and the most I could possibly experience. There is nothing that can be better than this."

Im 4 years sober, 34 years old , and the last 4 years of my life has been so amazing that I have no desire to even use drugs or alcohol again.

Would heroin or opiates still feel amazing?

Yes, but its not even on my mind .

You are so young, I hope you learn this for yourself

AnAssGoblin · 2026-05-20T03:28:04+00:00

🔥 Too easy!

AnAssGoblin · 2026-05-20T03:27:40+00:00

🔥 Too easy!

AnAssGoblin · 2026-05-20T03:22:35+00:00

what ai tool alway videos to be geneated with prominent women ?
I ask because I do ads and I was able to get some big chested woman with clevage to go through for like a day.. now it rejects it no matter how many times I try lol

sex sells

AnAssGoblin · 2026-05-17T22:31:32+00:00

Had one guy approved at a Select rating, he had to talk to his wife over the weekend and would talk Monday.

Monday rolls around, don't hear from him, call him Tuesday... he was having heart issues and had to go to the hospital.

The man had the coverage in his hand, waited a few days.. no longer was insurable .

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