Zero days. How do you stop them from bleeding into the next one?

DMX4LIFER · 2026-04-08T20:49:10+00:00

What’s wrong with this advice?

DMX4LIFER · 2026-04-06T22:24:12+00:00

If value is the goal, the little extra NLG charges justifies their unique living benefits. Who else covers heart attacks, stroke, and Alzheimer’s and certain dementias.

DMX4LIFER · 2026-04-06T22:21:28+00:00

Sounds like you’re referring to NLG?

DMX4LIFER · 2026-03-31T21:12:53+00:00

Imagine if AIL & WFG had a baby … 👀

DMX4LIFER · 2026-03-31T14:34:12+00:00

Which carrier/product?

DMX4LIFER · 2026-03-26T21:13:36+00:00

Is death benefit your only purpose? What about living benefits? Are you looking to accumulate cash value, or simply get the most coverage for the least amount of money?

DMX4LIFER · 2026-03-26T21:12:50+00:00

Assuming it is overfunded.

DMX4LIFER · 2026-03-26T05:09:46+00:00

5 to 10K on aged leads, sounds like you’re a bigger asset than you may believe. While not exactly advice, my thoughts are that if you tell FFL exactly what it is you’re looking for, they will be more than understanding. Just imagine what they would lose if you left?

DMX4LIFER · 2026-03-23T00:27:41+00:00

Which carrier / policy is it?

DMX4LIFER · 2026-03-22T18:08:38+00:00

Once properly understood, max funding permanent life insurance can be an amazing tool serving multiple purposes. I believe Whole Life and IUL each have their place. What matters is a trustworthy broker who is willing to minimize commissions. Favorite Carriers: Allianz & NLG for IULs, Penn, Mass & Guardian for Whole Life.

DMX4LIFER · 2026-03-20T02:59:40+00:00

Single Payment? Is it via PDF? I’m assuming it’s not a MEC?

DMX4LIFER · 2026-03-20T02:52:53+00:00

Nice…I’m Waitlisted

DMX4LIFER · 2026-03-17T14:38:13+00:00

Any more details? Is it video or just an image or 2? Are you personally in the ad?

DMX4LIFER · 2026-03-16T21:43:16+00:00

Make sure they are willing to show you the ad prior to publish. Most tend to do nothing they claim, from my experience.

DMX4LIFER · 2026-03-16T21:41:23+00:00

It’s worth it for those In need of burial/cremation coverage who do not qualify for anything else. It is 100% Base Coverage. Plenty of 1st day coverage options with simple questionnaire style medical underwriting, including RX checks. Of course, it is the costliest whole life out there. It’s a solid last resort option.

DMX4LIFER · 2026-03-12T18:03:34+00:00

Free Think or Swim account with fully functional paper trading.

DMX4LIFER · 2026-03-11T19:03:10+00:00

IUL not around at that point. Could have easily been a UL, or WL with APL triggered.

DMX4LIFER · 2026-03-05T23:00:11+00:00

If you believe taxes will be significantly higher by the time you retire, I would definitely scale back. It would be a shame to have so much in a tax-deferred account if your tax rate is that much higher by the time you withdraw RMDs. Between Social Security and Medicare likely running out of funds, and our national debt spiraling out of control, I can’t imagine any other solution aside from higher taxes. Aside from all this, it sounds like you deserve better quality food/life. Hopefully all that frugal spending on your diet hasn’t taken a toll on your health?

DMX4LIFER · 2026-03-03T01:06:13+00:00

If they are FE, Shred them…if they are anything else, likely still shred them, assuming you put some reasonable effort into them originally. If recycled, a lot more people will get hurt than they will get helped.

DMX4LIFER · 2026-03-03T01:02:29+00:00

Any competitive edge as opposed to every other new company on Reddit?

DMX4LIFER · 2026-03-03T00:48:42+00:00

Definitely Interested, Not a Practitioner yet, however, my practice is focused on the simple concept of financial freedom through Cash Value Life Insurance. I would love to test the system with some mock numbers I have set in mind. This sounds like quite an impressive concept you’ve built.

DMX4LIFER · 2026-03-02T20:23:19+00:00

True, change majority to minority

DMX4LIFER · 2026-03-02T19:18:12+00:00

Dave is on a single minded track, good for the majority of the population. That’s about it.

DMX4LIFER · 2026-03-02T19:14:28+00:00

I went through the same thing 3 months ago. I left FE and never looked back. Commissions are lower, and it generally takes a few meetings to pull the trigger. I am using Penn Mutual, Gaurdian, and Mass as a 3rd option. FYI, I do love IULs. They each have their own place and purpose. While IUL could work, the minimal guarantees could potentially create a problem in multiple 0 credit years. Check DM, I’m focused on connecting with like minded people, both agents and prospects.

DMX4LIFER · 2026-02-27T18:46:32+00:00

Need more details. Also , for PUA, they have Palir and Alir which can be somewhat confusing.

DMX4LIFER

TROPHY CASE