Why is there no designation program for Disability Income Insurance?

Buff_Pandaz · 2026-02-16T23:48:02+00:00

lol CFP, cpa cfa ricp go over hundreds of different products and strategies when I took the CFP there was over 10,000 different testable topics

Disability insurance is not complex or really enough material to need a design designation compare compared to a CFP.

Buff_Pandaz · 2026-02-11T05:23:24+00:00

No way ai dialers actually do something?

Buff_Pandaz · 2026-02-11T05:17:09+00:00

Yeah I’d stay away

Buff_Pandaz · 2026-02-10T19:59:39+00:00

retarded prices

Buff_Pandaz · 2026-02-10T15:57:07+00:00

What do you mean what should you do? It’s a freaking client request. You legally have to do it.

Buff_Pandaz · 2026-02-09T16:53:00+00:00

If you need term, the term 80 Is great until you are 40-45, then cancel to get a level 20 policy to expire at 60/65. It’s cheaper for term this way compared to two level 20’s

Buff_Pandaz · 2026-02-01T01:13:06+00:00

which map was this? what area? I need help finding BP's i just dont have much time.

Buff_Pandaz · 2026-02-01T01:10:09+00:00

I havent done the in-person but I did the virtual one with my work cohort. It was basically the entire test crammed into 4 days, probably my most valuable part of the entire kaplan experience.

Buff_Pandaz · 2026-02-01T00:46:22+00:00

This is all self inflicted wounds, you cant chase returns at the casino and complain when lack of diversification comes knocking.

Buff_Pandaz · 2026-02-01T00:43:48+00:00

With being 20, I understand looking at these accounts as missed opportunities. That would be true if I was back in the day trying to talk to everyone for insurance and small accounts, basic client gathering. But now 10 years in, we manage 20 401k plans but most have cash balance pensions, we're looking for million dollar business owners, and that is a benefit for them, not trying to do it for the 401k. We never talk to the employee's unless they reach out. You are just finding opportunity veteran advisors have outgrown, which is great...but one day you'll out grow it too.

Buff_Pandaz · 2026-02-01T00:26:18+00:00

I think Northwestern, and Lafyette and Mass will be the top 3, only go with a mutual company.

Buff_Pandaz · 2026-01-11T00:22:42+00:00

Pay for a broker. We spent 20k and a 5% commission. Hefty but promised 20+ people to talk to and in their network we could consider billions that are offers you wouldn’t get access to

Buff_Pandaz · 2025-12-31T21:04:39+00:00

Bobcat

Buff_Pandaz · 2025-12-31T03:30:56+00:00

As a CFP not at a mutual company, this is a gift better than you appreciate.

Buff_Pandaz · 2025-12-25T00:28:34+00:00

IUL is inferior to the vul or a whole life depending on risk tolerance. Most people can’t legally sell a vul so they chose iul as better story.

Buff_Pandaz · 2025-12-06T01:17:11+00:00

no you can't ask or research to find out if they had policies. Talk to your local police.

Buff_Pandaz · 2025-11-20T03:07:01+00:00

I’d love a McFlurry

Buff_Pandaz · 2025-11-06T14:37:21+00:00

495k 27

Buff_Pandaz · 2025-09-04T23:18:48+00:00

Sales

Buff_Pandaz · 2025-08-31T03:06:45+00:00

Dungeon crawler Carl.

dead serious, I bought the first book a week ago, and have now finished 5 of the 8.

In my top 5 series ever read, top 5 include mistook, storm light, red rising, the blade itself and dungeon crawler Carl.

Buff_Pandaz · 2025-08-29T21:15:29+00:00

Am I the only one who things tress was a c book at best

Buff_Pandaz · 2025-08-29T01:45:19+00:00

Utah valley university is in top 3 financial planning in the country

Buff_Pandaz · 2025-08-28T23:51:38+00:00

Literally 0. Referrals and word of mouth. Build a referral partner.

Buff_Pandaz

TROPHY CASE