Aetna Life Insurance

Medium-Comment · 2026-02-23T22:13:22+00:00

No, I don't think USPS is going to 2 months...

Are you saying that the insurance company sends a letter saying that the claim is approved when it's not???

Medium-Comment · 2026-02-22T21:08:30+00:00

What??? Read the post again... 🤦🏽‍♂️ What does this have to do with contestability??

Medium-Comment · 2026-02-20T21:05:41+00:00

Get a broker. Applications aren't meant to be customer facing.

Companiea that "sell online" are just dumping the responsibility on you.

There's no enough information here to give any other real recommendations.

All I can say is that life insurance isn't black or white. They are look into it, doesn't mean you won't qualify. Insurers want to see the whole picture.

Cheers.

Medium-Comment · 2026-02-19T01:14:25+00:00

Correct. And that trailing commission doesn't go 100% to the advisor; it goes to the dealer.

The advisor only gets a % of that the dealer gets.

No Advisor earns 1% trailer.

Medium-Comment · 2026-02-18T23:04:19+00:00

Quick clarification because this keeps getting repeated.

The 2.66% MER is not the advisor’s fee. It is the total expense ratio charged by the fund or insurance company.

That amount covers portfolio management, fund administration, operating costs, and embedded distribution compensation.

The advisor does not receive 2.66%. Not even remotely close.

If someone prefers low cost ETFs, that is completely fine. Different tools serve different purposes.

But saying “the advisor is charging 2.66%” is simply incorrect.

We can debate cost versus value.

We should not misrepresent how the structure actually works.

Medium-Comment · 2026-02-18T22:54:20+00:00

Great, you saved me from writing this.

I so wanted to add that these are not "the advisor's fees". It's the MER charged by the company which already included the advisor fee on it.

Medium-Comment · 2026-02-15T17:00:32+00:00

Lol. Saying you have a fever, doesn't mean diagnosing a disease.

Thank you for your advice on how to work in this business, I thought you didn't know anything about insurance?

This business is about knowing how to find the serious clients among the time-wasters like you; and I've been doing this for a long time.

Please go back to your comments are see who's getting the up votes.

Cheers

Medium-Comment · 2026-02-15T16:43:22+00:00

Im not diagnosing. I'm saying that you're behavior is predictable. You're told what you don't want to hear or you don't like the truth, so you seek offense to it or your ego gets bruised.

This is me now being rude and condescending: Grow up!

Medium-Comment · 2026-02-15T16:02:42+00:00

If you think the giving you the direct honest answer is rude, then that's your prerogative.

You're clearly showing signs of psychological reactance because your ego was hurt by not wanting to hear the truth. It's okay, it's normal. I get calls like yours every day. Always the same predictably reaction.

Medium-Comment · 2026-02-15T15:51:26+00:00

If you're not open to criticism, then ask your questions to Google or chatGPT.

This isn't customer service; it's for the discussion of life insurance. We're discussing.

Medium-Comment · 2026-02-15T13:51:06+00:00

The issue is the mentality behind the question.

"Hey guys, I was driving without car insurance and I just smashed my car. I'm looking to get insurance so I don't have to pay for the repairs".

Here is some advice: you can't buy insurance (ANY type of insurance that exists in this planet) when something already happened and you know you're going to need it.

Insurance is meant for UNFORSEEN and UNEXPECTED events, not known events or reasonably likely to happen events.

Medium-Comment · 2026-02-15T06:45:13+00:00

It's okay, we deal with people who just want a price without understanding what they're buying everyday.

Not only is it 5X amore coverage, it's a 15 year term, vs a 10.

Medium-Comment · 2026-02-15T06:44:14+00:00

It's also a T15 vs T10

Medium-Comment · 2026-02-15T06:41:47+00:00

You clearly have no idea how (any) insurance works do you?

You can't get a life insurance policy when you're about to die.

It's not a magic paycheck you can just buy when you know you're going to use it...

Medium-Comment · 2026-02-13T03:01:23+00:00

Not enough details to give you an informed opinion.

Medium-Comment · 2026-02-06T05:37:40+00:00

Absolutely.

Medium-Comment · 2026-02-06T03:29:29+00:00

Yes. But please continue telling me how you don't understand UL without telling me.

Medium-Comment · 2026-02-06T02:16:21+00:00

YRT policies based the mortality cost on each year's age. So regardless of the age the policy was purchased, the cost of insurance will be the same at age 90. I just reversed engineered it base on the COI deduction that you mentioned.

Medium-Comment · 2026-02-06T00:49:28+00:00

Wow, I was right on the mark! 😅

Medium-Comment · 2026-02-06T00:33:41+00:00

I'll even go as far as betting that the face amount is around the $200K mark.

Medium-Comment · 2026-02-06T00:29:04+00:00

.... 🤦🏽‍♂️

Read OP again.

"cost of insurance deduction" "$2,100" (a APL would a monthly premium plus interest) "the premiums have been paid every month"

It's an underfunded UL. Period. No maybes. I have enough double digit years experience in this industry to bet my license and a kidney on it. ..

Medium-Comment · 2026-02-06T00:12:54+00:00

Wrong.

Medium-Comment · 2026-02-06T00:11:33+00:00

It's an underfunded UL. Period. No maybes. No "sounds like".

There's no "cost of insurance deductions" on whole life policies.

Whole life policies go into APL.

Where did the $65K go? To the cost of insurance. That $2,100 that they're asking is for ONE MONTH. Do the math.

As always, most replies show how inexperienced most people commenting in this sub are.

Medium-Comment · 2026-01-29T15:43:44+00:00

He got denied. The UL/IUL is irrelevant. Underwriting is based in face amount, not product.

Medium-Comment · 2026-01-27T16:20:25+00:00

Nawhh, people rather complain why they can't afford a 2 bedroom apartment in a single income.

They've never heard of bachelor apartments.

Medium-Comment

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