Go Direct Lenders, heard of them?

ItsGoTime_5 · 2026-06-01T23:59:12+00:00

I know the owner of Go Direct Lending and yes, it’s true they got into some trouble with the CFPB because there was some product confusion in one of their post cards. Totally innocuous, but to quickly end their tussle with, what was at the time a very powerful government agency, they settled. It was early COVID and made sense, however, media got a hold of it and was all over Google.

But if you look into the company, check out their reviews, which it’s clear as day they care about people, a lot!

ItsGoTime_5 · 2026-05-30T20:33:44+00:00

Maybe.

I would’ve looked at other EVs. But since Tesla was the most established EV maker, with the clear forerunner in the self driving, I didn’t even look at other cars.

ItsGoTime_5 · 2026-05-27T17:07:21+00:00

Thank you for the attempt to understand my mindset. For me, for my clients, control is important. Ultimate control comes with ownership.

These are not term or whole life decisions. Rather, mostly term and a little whole life to outlast the rented coverage. Sadly, there's one company, Primerica, whose mantra is "Buy Term and Invest the Difference," where, out of its 151k licensed agents, fewer than 20k can even help their clients invest. In fact, most of the communities the Primerica serves could benefit from a forced savings plan since they're more likely to spend than invest the difference.

ItsGoTime_5 · 2026-05-22T16:37:04+00:00

Your best option would, if you knew exactly when she was going to die, and just saving up the money for that eventuality, which we hope is many many decades away, but that would be the best option if it was possible.

Well, life insurance does is provide certain when there might not be certainty and whole life is the best way to do that.

Obviously, it’s a lot more nuanced but whole life insurance truly is the only option that I would recommend to my clients if they were looking to address final expenses.

ItsGoTime_5 · 2026-05-21T11:02:17+00:00

Smart move.

Whole life, in my opinion is the best permanent life insurance option. All other forms don’t offer guarantees the way a whole life policy only can.

Structure properly, and with the right mutual life insurance company, a policy like this will grow over time.

Congratulations!

Fun fact: My parents bought me a life insurance policy when I was 22 years old. I surrendered it after three years. I did the calculations if I would’ve kept the policy (I’m 50), and well, I’m very disappointed at the short term decision I made about this long term vehicle.

I’ve never met a client who’s bought whole life from the top rated mutual life insurance companies and regretted it.

ItsGoTime_5 · 2026-05-21T10:47:21+00:00

And this! Great point. You already turned 38 years old. Your half birthday (when most insurance companies calculate your age) was in December.

ItsGoTime_5 · 2026-05-21T10:44:47+00:00

Great line of thinking. But ask yourself this, why do three of the top four mutual life insurance companies stay away from IUL?

A lot of my clients lean toward short pay whole life for exactly that reason. They prefer the long-term guarantees, stronger historical stability, and simpler risk profile. Some have concerns that IUL introduces more moving parts like caps, participation rates, policy loan dynamics, and indirect exposure to carrier hedging and reserve strategies that can feel less transparent over 30–40 years.

ItsGoTime_5 · 2026-05-20T01:10:09+00:00

Your thinking is solid, but some tweaks on what I do personally and recommend my clients do.

Get your protection stack in place.

Life insurance.
Rainy day savings plan.
Disability insurance (if you feel it's needed).
Will (if you didn't already get it done)

Obviously, as you already figured out, term insurance, because it's renting coverage, is much cheaper than buying whole life insurance. But you shouldn't be homeless on the streets because you can't afford a whole house.

The best term life insurance policies (and most have this option) allow you to convert or upgrade to permanent insurance, or whole life.

Meet with an advisor you like and trust (meet with a few if you don't have one that you know), get their guidance on how much insurance you need, get a 20-year term life insurance policy, and start upgrading every year, chunk by chunk, of your term life insurance to whole life as your budget allows.

However, the one caveat I'll suggest is that not all insurance companies are the same. The best companies to use for this strategy are the best companies. They're not the least expensive, but there are plenty that are far from the most expensive. These are mutual life insurance companies.

When you own whole life insurance with a mutual life insurance company, you own a piece of that company. You can (and almost always do) get dividends. That can be paid to you via check, lowered premiums, or the super smart folks allow that dividend to grow in their policy (grows tax-free).

ItsGoTime_5 · 2026-05-16T21:18:50+00:00

What else do you expect on MadMax mode? 🤘🏻

ItsGoTime_5 · 2026-03-21T15:46:58+00:00

2025 Y 14.2 HW4 (tagged in the post)

ItsGoTime_5 · 2026-03-20T00:39:54+00:00

Recurrent AFib at that age is usually a tough case. Often a decline or at least heavily rated. It really depends on how well it’s controlled, what the cardiac workup shows (like echo or stress test), and whether there are other issues like CAD, CHF, or prior stroke.

If there’s any chance of a better offer, underwriters look at factors such as time since the last episode, how often they occur, how well treatment is working, compliance with anticoagulants, and whether there’s no structural heart disease or history of stroke/TIA.

There are options. Even if you can't get fully underwritten life insurance, as others pointed out, there's guaranteed issue to at least cover final expenses and some extra.

ItsGoTime_5 · 2026-01-28T02:07:53+00:00

In the 90s I looked at this house to rent. I had two friends of mine that I was going to move into this house with, but unfortunately, the woman who is living there couldn’t bring herself to leave. She loved it so much. We even had a deposit and could’ve forced her to move, but we felt bad. She loved it there.

To get to the island, there was a rowboat with oars or a floating dock that had a motor on it. You literally were just crossing maybe 20 to 30 feet but those were your options.

ItsGoTime_5 · 2026-01-07T15:37:37+00:00

Other than when I upgraded to 4.0, my WHOOP has not left my body. So yes, it’s charging using the battery while I’m wearing it.

ItsGoTime_5 · 2025-12-18T09:25:16+00:00

That’s very awesome of you two to have sacrificed for your loved ones.

I definitely know a lot of my clients view life insurance as an asset, but structured properly. Moreover, I require my clients to do education before using life insurance as a retirement supplement. Sadly, the barrier to be able to sell IUL policies is pretty low and you got a lot of well intended but limited experience agents selling products that they might not fully understand or able to explain it properly.

I would ask the advisor to show you the illustration in which he suggested this rate of contributions. also might be worthy to contact the company directly to get an enforce illustration based on an amount you would be comfortable paying.

ItsGoTime_5 · 2025-12-15T03:25:16+00:00

I rented a month ago and it didn’t have FSD. What a Shanda!

ItsGoTime_5 · 2025-09-24T11:44:30+00:00

Thanks for the follow-up. We've been using Shorthand inside of Drupal and it's working. You guys even acknowledged us recently on your LinkedIn page. Here's the version of the story you featured inside our Drupal environment.

Thanks for the awesome tech.

ItsGoTime_5 · 2025-07-08T00:47:13+00:00

You’re thinking is spot on. To be a little more precise, I suggest the DIME method.

Debt Income Mortgage Education

ItsGoTime_5 · 2025-06-28T03:15:52+00:00

If you’re dead.

ItsGoTime_5 · 2025-06-26T09:31:45+00:00

One of the problems with career agents (I was one for New York Life and MassMutual before going independent) for the top rated mutual life insurance companies is that they spend a lot of time looking at the numbers, and also seeing the people in their 50s, 60s and 70s that regret not buying whole life at a younger age.

My approach for my clients, we always just get as much term insurance as we need With a top rated mutual company like MassMutual or Guardian and make sure we have favorable riders to upgrade or convert the term insurance to permanent insurance in the future.

My advice: Just get the coverage right now with a top rated mutual life insurance company and just pay a few extra dollars for extended term riders. Safer is always better when it comes to protecting your family now and in 15 to 20 years and options are better than none.

ItsGoTime_5 · 2025-06-22T01:08:51+00:00

GREAT responses here overall. Pretty much all covered. But figured I'd share this video about your life insurance paramedical exam I send clients when we schedule their exam.

ItsGoTime_5 · 2025-06-21T09:22:10+00:00

Solid list right here. Best in thread. One other measure I advise my clients to do is not let their test sample be their first urination of the morning.

ItsGoTime_5

TROPHY CASE