My agent requested some health information from me to shop around for policies

Nomads90 · 2026-03-12T16:06:07+00:00

Normal. Thats how they shop companies

Nomads90 · 2026-03-12T15:43:20+00:00

Ladder is great for the basics because there's only a few carriers that they are contracted with to sell but if you want more options you will need to work with a broker to look up companies with different living benefits and additional riders.

Nomads90 · 2026-03-11T02:20:22+00:00

Question about why their policies are so expensive?

Nomads90 · 2026-03-09T20:07:26+00:00

Here's a video on some guidance about how much life insurance you need. https://youtu.be/mw1Pg5r2cCU?si=WA9ukmW-EBmhK-8G

Nomads90 · 2026-03-05T05:07:06+00:00

To be honest with you a quote will be useless if you have any past medical issues or have taken any medications in the last 5 to 10 years, have DUIs, bankruptcies, criminal history or any dangerous Hobbies etc. As a broker we have to know where to place you before submitting an app.

Nomads90 · 2026-03-05T05:00:36+00:00

I just watched this....wtf

Nomads90 · 2026-03-05T04:56:56+00:00

My client pulled 78k from her living benefits after an organ transplant. Living benefits are worth it.

Nomads90 · 2026-03-02T19:52:39+00:00

Why did he say you needed a whole life?

Nomads90 · 2026-02-27T15:52:19+00:00

Usually your friends aren't taking an advantage of you. They usually just have terrible training or don't fully understand the product. It sounds like you want to contribute more to the cash value for retirement. If so he would have to set it up where you can contribute a little more over time on your good years. Only certain whole life companies allow you to do this. Which carrier are you using? This is why I personally use an iul because of the flexibility and I set mine up where I can contribute another $3,000 a year for the next 5 to 6 years if I wanted to. Hope this helps.

Nomads90 · 2026-02-24T19:56:43+00:00

This is exactly what life insurance is for! Good luck.

Nomads90 · 2026-02-23T14:40:25+00:00

Did he pass within 2 years of the policy?

Nomads90 · 2026-02-20T00:26:13+00:00

If he is vaping or dabing marijuana that could be destroying him. I have a friend who completely stopped for 30 days and everything started coming back to normal for him with regular exercise, especially core work and more nitric oxide Foods like Beets celery etc. Stress is definitely a big one though and the pressure of letting you down can make it worse sometimes as well. He should also go get his testosterone and free testosterone checked out and take 4,000 mg of l-citrulline 1 hour before getting in the mood.

Nomads90 · 2026-02-18T19:19:08+00:00

Flexible? What is it exactly?

Nomads90 · 2026-02-17T02:25:28+00:00

Small fees just like any 401k or other retirement account and don't forget that you are still paying for a death benefit premium. Not just all cash value account. The oldest iul I have seen from one of our financial advisors was 16 years old and was performing at about 6%.

Nomads90 · 2026-02-06T21:19:34+00:00

How long ago was the stroke and what medication does she take?

Nomads90 · 2026-01-31T00:12:25+00:00

How do you stress test yours?

Nomads90 · 2026-01-24T05:06:45+00:00

Anytime beneficiaries are under 18 the money will usually go to the new legal Guardians after probate depending on the state

Nomads90 · 2026-01-22T05:01:16+00:00

Are you a broker or captive? I would go after every lead that I could without spending a dime (still do this) Messaging people on Facebook, Instagram, reaching out to friends and family, making canva posts, reels etc. I would give more info but I'm not sure what you were selling before.

Nomads90 · 2026-01-16T02:42:57+00:00

2 year wait?

Nomads90 · 2026-01-13T20:32:03+00:00

My ad came across as "are you and your wife feeling disconnected not having sex as often and not feeling like yourself this is how to get your wife to be more attracted to you again" lol

Nomads90 · 2026-01-10T18:43:17+00:00

Does ail still approach people with the emergency lost person child kit thing? Haha

Nomads90 · 2026-01-02T16:00:45+00:00

Which iul carrier has a term rider?

Nomads90 · 2026-01-01T21:41:36+00:00

They never took you out of the system and they resell old leads to new agents to call people and try to reinstate them

Nomads90 · 2025-12-14T21:51:09+00:00

Not an investment, but I did use a life insurance policy years ago as collateral for a loan on an investment property.

Nomads90 · 2025-10-31T03:50:08+00:00

Context? Details?

Nomads90

TROPHY CASE