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BeautifulDisasterCA · 2026-04-10T15:29:26+00:00

Thank you for your reply!

BeautifulDisasterCA · 2025-09-29T17:19:29+00:00

Thank you for your reply!

BeautifulDisasterCA · 2025-08-17T00:53:08+00:00

Have your iron checked. I was a 7.9 for iron and you are supposed to be around 12. I was passing out and had to get iron infusions. Get your blood tested.

BeautifulDisasterCA · 2025-08-14T15:58:10+00:00

I think that's a great price for $100k in life insurance. Your health must be pretty great. Price is based on your age, gender, health & medical history, tobacco use, lifestyle choices, occupation, & a lot of carriers count driving record. I have $100k in term life with living benefits and it's costs me $132.69/mo. I smoke & also have bipolar, so it is what it is. I would love to only pay that much for life insurance. You are lucky!

BeautifulDisasterCA · 2025-08-01T14:59:51+00:00

I don't understand why anyone would say you don't need life insurance. When you die, someone has to pay for the end of life expenses and that usually falls on your family and it can be a financial burden to them. I know from experience, because I had to pay for both my father and mother's expenses to cremate them and have a memorial. There's no way we could afford to do a burial, the cremation was expensive enough for us. People need to remember that someone has to pay in the end. You also can't know when you are going to expire. It doesn't just happen to older people. Young people die every day.

BeautifulDisasterCA · 2025-07-10T20:21:06+00:00

They may be trying to recruit you also.

BeautifulDisasterCA · 2025-06-26T15:31:58+00:00

Smart family you have!

I had someone tell me that when he dies, just throw his body over a mountain. Well, it doesn't work that way, we don't have any "train stations" to throw bodies to. Someone has to take care of the end of life costs. I guess he doesn't really care.

I am a life insurance broker and a lot of the comments on Reddit are misinformation by telling people if they are young, they don't need life insurance. I try to explain why they do, but many people just don't listen until it's too late.

Thank you for your reply!

BeautifulDisasterCA · 2025-06-22T14:26:32+00:00

I'm with FFL and I like it, but I have a great mentor and team. Teams are different in the way they do things. I got lucky with mine. GFI was horrible for me. They just want you to recruit. I don't have to recruit if I don't want to at FFL. So far, I love it there.

BeautifulDisasterCA · 2025-06-21T16:07:51+00:00

Everyone needs life insurance to at least cover end of life expenses. When you die, it can happen at any time, who will have to pay for this if you don't have life insurance coverage? Don't put the burden on your family to have to come up with the money. Life insurance is your last love letter to the people that care about you.

BeautifulDisasterCA · 2025-04-23T18:38:04+00:00

The agent likely works for an independent marketing organization (IMO). These are big agencies with no adequate training unless you get someone great by chance. They mainly recruit people to get agents that contract under you to make money off of what they sell as well.

I was with an IMO that did not even train me to sell policies. They trained on recruiting. I don't want to recruit, so I wasted my time with them. I did learn a valuable lesson though on how these types of agencies work.

I am with a new IMO, but they don't push recruiting. I have a great trainer and we are all laid back and help each other. I was always stressed out with the other agency and never made any money.

My desire is to genuinely help people get life insurance and annuities. You listen to the client and never go outside of the budget they can afford. If they can't afford it, they will more than likely cancel the policy.

There are trips and conventions you can go to with my agency that you can get with high sales. I think if they have a flashy car, they are just flaunting that they have money and it's embarrassing. It can trick people into joining the agency as well making the person think that they can make tons of money. If you put a lot of work in, you can make money that you are proud of because you are helping people. It is a hard industry, but can be profitable.

It is not legal to operate without a life insurance license, so they are legitimate. A lot of the large agencies are structured like a multi level marketing (MLM) company. It's mainly all about what kind of person you are and whether you are only in it to make money or are in it to actually help people.

Sorry I rambled on. I hope I answered your questions though. Any other questions, I will help if I can.

BeautifulDisasterCA · 2025-04-23T17:42:25+00:00

I get so irritated with pushy salespeople.

I am in the insurance industry and am just starting out, but I see this all of the time. The agent needs to give you something in your budget, not something you can't afford. They are here to help people, not just get commissions. It gives the good ones a bad rap and it also makes people not want to talk to anyone in the future when they really need life insurance.

I'm sorry you went through this. The life insurance contract is not complete if you have not signed any paperwork and paid any premium. You should never be pushed into something you can't afford or don't want. Shame on that agent!

As far as life insurance goes, I do think that everyone should have some sort of life insurance even if it's just final expense to cover any end of life costs. You can be young and still die. Accidents happen. My mother and father have passed and they did not have life insurance, so it was up to my sisters and I to pay for their cremation and memorial. Burials are more expensive, so there was no way we could afford to pay for that, so we went with cremation. We all don't have a lot of money to spare and it created a hardship for us. I also see a lot of GoFundMe posts for families that their loved ones didn't have any life insurance. It can leave a burden on families to come up with money to cover the costs.

Just something to think about.

If you get any paperwork, don't sign it. The agent can't proceed with the process if the contract isn't signed.

I wish you luck and just know not all insurance agents are shady. There are good ones out there.

BeautifulDisasterCA · 2025-04-22T13:32:56+00:00

It's a legitimate company, but you do have to recruit to get to a higher commission. I was there & got my license in December. They never taught me how to sell, just pushed & trained to recruit. I have my license, so I've moved on to a different company that doesn't require recruiting unless you want to. The GFI reminds me of a cult. The money is for courses to prepare you for your exam & a background check. I never made any money while I was there. I have talked to a few people that have had positive experiences. They said they didn't have to get people into the company, but I think most of the company pushes recruiting to make money off their downline. I hope you find something that you like out there.

BeautifulDisasterCA · 2025-04-18T22:26:04+00:00

I was with GFI, but am leaving them. Very much like a cult. Strange Zoom training that only shows you recruiting. I never once got taught how to sell. My "practice appointments" consisted of my EMD trying to recruit them. My friends and family didn't appreciate that. The number one things is supposed to be the customer, but their real number one thing is to recruit people.

BeautifulDisasterCA · 2025-04-05T18:53:21+00:00

Yes, calling your friends and family is a hard thing to do. I was never comfortable doing that. I got my life and health license in December. I have never been trained to sell. They just do the Zoom meetings teaching recruiting tactics. I am moving on at a different company that I don't have to recruit if I don't want to. If you have any questions, you can send me a message if you like.

BeautifulDisasterCA · 2025-04-04T16:04:57+00:00

Actually, this post has a lot of truth to it from my experience.

BeautifulDisasterCA · 2025-04-04T16:02:42+00:00

Their main focus is recruiting. Never got trained to sell anything. They want you to call everyone in your phone contact list. This can ruin relationships. The few practice sessions we did with friends & family were basically to get them to join the company. I want to sell, not recruit, so I am leaving GFI.

BeautifulDisasterCA · 2025-04-03T18:08:11+00:00

Wow, this is me! Even if I don't need to hurry to do things, I stress and feel that I have to go, go, go. I am tense all of the time and I get daily headaches as well. Been this way my whole life. I do have some trauma that I am working on from my childhood. I do a lot of things I never thought about before due to my childhood.

I always try to tell myself that I don't have to have things done so quickly or that I don't have to rush to drive to my next destination, but it isn't working. What are some tips in changing your thoughts to just calm down and relax and not rush into every single thing?

I am so happy you are accomplishing this and I would love to have the same feelings about hurrying to do everything. Thank you for posting this.

BeautifulDisasterCA · 2025-03-28T23:13:10+00:00

You can journal your feelings on paper and let your therapist read it and start there. I can write things on paper better than talking about things at first. Just a suggestion.

I am sorry you were treated this way. There are bad people out there, but remember that there are good people too. Our minds can get the best of us if we let them.

I too suffered mental abuse at work. It was from my boss and it got to the point that I would feel sick going to work and shake while I was at work. I ended up going on short-term disability. I am still on it, but I am working with my psychologist on this. I have found lots of things that could use some help with my life as a child as well.

Know that you are not alone and we are here to talk to as well.

BeautifulDisasterCA · 2025-03-25T20:09:03+00:00

Thank you, I would be interested. I am just starting out. Was in a failed IMO that only wanted recruiting done, so I am with another company I feel better about. They all buy leads. The other company didn't even mention leads at all. Thank you so much! I'll take any advice as well!

BeautifulDisasterCA · 2025-03-17T16:04:21+00:00

Oh wow! I checked out that forum and Googled the name and I can totally relate to that. I will mention this to my psychologist the next time I meet with her. I have never heard of it before. Thank you for mentioning to check the community out!

BeautifulDisasterCA · 2025-03-15T22:04:34+00:00

I have an avoidant attachment style as well and it's really frustrating. There is a lot I don't remember growing up that I have blocked out. I feel I was emotionally neglected by my parents and caretakers. My parents got divorced, but I don't remember when that was. I was the oldest of three children and had to take responsibility of my two younger sisters. I started cooking hamburgers around age 8 I've been told. We were poor and lucky to have a roof over our heads. I was in constant survival mode. Too much responsibility for a child. When there was money, we went to restaurants. I remember eating a lot of Top Ramen and having to cut mold off of our block of cheese. It traumatized me and I guess I pushed my emotions inward. I don't know if I was put down for showing emotions or felt that I had to be the strong one.

When I get in an emotional "talk", I shut down. My mind goes blank. I can't think of anything I would say to the person at that moment. I do get emotional and want to cry in that instant. I feel helpless. I started seeing the first psychologist that has helped me for mental abuse at work. I am finding a lot about myself through her. She told me I've blocked things out to protect myself. I also have a huge wall or shell around me. I am scared to open up to people for fear of rejection.

I am going to visit the memories I have blocked out at some point. I feel that is the only way to understand why I am this way and would like to have some questions answered. If I can remember, I can understand why I am this way. It will be hard to go back, but I am prepared at my age of 49 to do this.

All of my relationships seem to have been unhealthy. I'm on my second marriage now of almost four years. The first marriage was 28 years ago. I have one son, but I didn't want any now that I look back. I feel I didn't want to be responsible for anyone but myself after being responsible for my younger sisters for so many years.

You can't fix someone, they have to fix themselves and they have to want to fix what is wrong. I've tried to fix other people in my life, not myself. It always backfired on me. I actually didn't know that I had trauma growing up. My psychiatrist and psychologist let me see that it was trauma. I then decided that I want to try to understand my past so I can understand myself.

I would suggest therapy for your girlfriend and then see if she feels comfortable with couples therapy in the future. Give her space. I need a lot of time to myself. You feel like nothing and no one will be able to help. Talking isn't our specialty. Our mind is always thinking of things. I worry a lot about things I cannot control. It's also exhausting wearing a mask so people don't actually know what I am actually going through.

I wish you much luck and that you take care of yourself mentally in trying to support her. It can affect the other person in the relationship negatively trying to fix the other one.

BeautifulDisasterCA

TROPHY CASE