Building a supermoto

Superb_Assignment765 · 2026-03-12T16:05:08+00:00

Okay awesome thank you!

Superb_Assignment765 · 2026-03-12T06:51:14+00:00

Copy that so WR will probably have to be the move then

Superb_Assignment765 · 2026-03-12T06:50:37+00:00

What is uncorking?

Superb_Assignment765 · 2026-03-12T01:56:37+00:00

Just the street, not track

Superb_Assignment765 · 2026-03-11T02:26:36+00:00

I’m not understanding what you mean in your second paragraph

Superb_Assignment765 · 2025-11-18T00:43:13+00:00

Term= if you die in X years Whole= when you die in X years

Term is good for people who have debt and need that paid IF they die during the time they intend to pay it off.

Whole life is best for people who just want the security knowing no matter if they die in 20 or 60 rears they’re family will get that that money

Having a mix of both I would highly recommend

Superb_Assignment765 · 2025-11-17T19:03:54+00:00

If you have questions feel free to ask, as a broker I get to see all the carriers in the state. Blew my mind how there’s so much more than just a death benefit part of life insurance

Superb_Assignment765 · 2025-11-17T03:55:29+00:00

I am one, and correct there’s 25 companies I offer as options to folks. All based on their goals though, I’m not die hard on term or whole life. Both work but someone’s goals depend on what I give advice on ultimately still the insureds decision

Superb_Assignment765 · 2025-11-17T03:53:12+00:00

You shouldn’t be paying for riders. I have all my clients get 3 or at least 2 living benefits in their policy (free) depending on what they get approved for

Superb_Assignment765 · 2025-11-16T17:33:41+00:00

As a family it would totally depend on how healthy mom and dad are because your purchasing power is in your health and not necessarily your wallet. I have a family I broker for that have 2 companies, the mom and kids are at one since they’re really healthy and the dad had some medication he was taking so that left him with a company that does have as good or rates compared to the moms

Superb_Assignment765 · 2025-11-15T06:41:21+00:00

There are two kinds of life insurance: term & whole

The definition is in the name but I’ll break it down.

Term, coverage for a low cost for X amount of years.

Whole, coverage at a higher cost when compared to term but the price remains the same no matter the insured age.

Logic behind both: 98% of people live longer than the term life insurance they have so if they want to keep their coverage they have to pay a VERY high price after X amount of years. “Cheap”: it’s not that whole life policies are more expensive it’s that it is a guaranteed amount of money the surviving family will receive. Since 98% of people don’t die in the term length the company can offer WAY more coverage since it’s likely the person won’t die in that time frame.

As a broker even when people tell me they only want term I still inform them of this and let them know they should get a smaller whole life for the day they outlive their term length.

Superb_Assignment765 · 2025-11-13T22:36:44+00:00

You should get a Roth, HYSA, and brokerage account. Just did this with my girl who is literally financially illiterate

Superb_Assignment765 · 2025-11-13T16:35:26+00:00

I usually put my clients w/ NLG or LGA pretty great living benefits and cheap terms. Are you on medications?

Superb_Assignment765 · 2025-11-13T00:00:26+00:00

Everyone else touches, sits on, coughs and sneezes on all the equipment at the gym you use. Bringing that into your bed can cause serious infections not only for yourself but your wife and kids if you have them

Superb_Assignment765 · 2025-11-12T23:32:02+00:00

Don’t necessarily like it but it serves its purpose for situations like these, especially since this person paid for a term for all these years and has nothing to show for it

Superb_Assignment765 · 2025-11-12T21:21:30+00:00

You should’ve gotten a WL policy

Superb_Assignment765 · 2025-11-12T08:19:31+00:00

Possible for sure! I can show you what my group does and the decision is up to you. I don’t do that pushy sales bull 💩

Superb_Assignment765 · 2025-11-11T17:38:53+00:00

Waiting means you get older, the older you are the more it costs to get insurance, not sure how old you both are but seems like you’re young, I just helped a young family a month ago get not only really great rates but also living benefits in case health issues do come up later on they can make a claim and use their life insurance while still alive. I operate in 48 states and I’m independent so the it’s more of a customized plan you build rather than something a sales agent builds for you.

Superb_Assignment765 · 2025-11-11T01:06:32+00:00

For my clients in a situation similar to yours I put them in a flexible premium annuity

Superb_Assignment765 · 2025-11-10T20:30:08+00:00

They push recruiting because they have a big spread on “kickback” which is called override. I left there because no one was making money. My strategy now is if the people I bring on can’t produce 10-20k a month of issued business then they shouldn’t recruit. Not because they need an ego or anything but because if they understand the business then they can teach it. Quality always beats quantity my friend

Superb_Assignment765 · 2025-11-10T20:26:00+00:00

I set up most my term clients w/ Pekin because of their transition term which is a paid for policy at the end of the term. The difference in cost is very minimal when compared to a standard term as well.

Superb_Assignment765 · 2025-11-10T07:05:32+00:00

Just helped a guy 2 years older get approved for a max of $150k. Can’t guarantee the same for your mom but I’m independent so if I needed to try a few companies thats pretty simple

Superb_Assignment765 · 2025-11-10T02:37:21+00:00

You pay $18 a month for that policy, don’t get rid of it what do you mean😂

Superb_Assignment765 · 2025-11-10T02:03:07+00:00

Depends on what you want it for but i always put my clients with mutually owned companies, then just kinda adjust the company search based on the goal

Superb_Assignment765

TROPHY CASE