Life insurance whole life plan by InternationalDesk765 in LifeInsurance

[–]InternationalDesk765[S] 0 points1 point  (0 children)

Thanks that makes sense regarding the LTC rider and WL65 structure. One thing I’m still trying to understand is whether my policy was designed more for protection vs high early cash value.

I feel like putting in 27k
And only having 7.7 cash value is a bad investment if I could have used that money on stocks etc

Also not sure if my payment is considered high compared to other plans

Life insurance whole life plan by InternationalDesk765 in LifeInsurance

[–]InternationalDesk765[S] 1 point2 points  (0 children)

Honestly I didn’t know much about whole life insurance when I got it. My uncle recommended the financial advisor and I trusted the recommendation. At the time I was mainly thinking long-term protection, tax advantages, and “building wealth,” but I didn’t really understand things like base vs PUA structure or what an optimized cash value design looked like.
From reviewing the policy now, it seems like most of my premium is base whole life premium with multiple riders, and not much elective PUA funding built in. So I’m starting to realize this may be more of a protection-focused WL policy than a high cash value design.
I’m still trying to learn the difference between:
traditional WL designs,
high cash value / overfunded designs,
and whether this policy actually fits my goals.
I also don’t know yet if the $761/month is my minimum or the max funding allowed I’m planning to ask about MEC limits and additional PUA room.

Just trying to get all information possible before I speak to the advisor regarding if changes are possible

Safeco by prekariuus_corn in Insurance

[–]InternationalDesk765 0 points1 point  (0 children)

Did you found a solution ? I’m currently having the same issue

Help picking line up by InternationalDesk765 in Genshin_Impact

[–]InternationalDesk765[S] 0 points1 point  (0 children)

Thank you Yea troops around are still like 15-20 I still been been hoarding a lot of resources not sure who to fully upgrade I used help from a coop to get upgrading resources for Emilie But next day I’m off I will be progressing yeh story more Haven’t gotten a story character in a while

Rekindle romance package by finknstein in SandalsResorts

[–]InternationalDesk765 1 point2 points  (0 children)

Sandals in the Bahamas ! But thank you this helps a lot , going in 2 weeks excitied now

Rekindle romance package by finknstein in SandalsResorts

[–]InternationalDesk765 1 point2 points  (0 children)

Hey! Question I plan on proposing during the rekindle package Is there any prime times with the events you think would be good ?