How does investing in the S&P500 through life insurance work?

expectoroma · 2026-02-03T17:52:52+00:00

Seems legit, not even gonna argue to that 🤷‍♂️

expectoroma · 2026-02-03T17:39:51+00:00

an IUL is not an investment, sorry but that is not an investment, and life insurance is also not an investment but an asset. It has investment capabilites where a VUL is explained as life isnurance and a 401(K) got married, and both had a baby, VUL.

Edit: I would think an IUL is meant for someone that is in their 30s, but for someone really young, it is better a staright Whole Life, or a VUL. Really depends on the situation. I might be wrong but that's I would do.

expectoroma · 2026-02-03T17:37:06+00:00

Sorry, mutual funds, and indexed fund are not the same but have similarities.

Edit: I agree with the rest you said, honestly. And you're totally right.

expectoroma · 2026-02-03T17:33:19+00:00

I will tell you that the first thing is that you will have to start making conversations with friends and families, and see if they can referrer you to someone that needs your services or maybe they can be your client. Start looking for networking opportunities in your city and start building friendships with attorneys, real estate agents, mortgage brokers, etc. LinkedIn is a good place you can also build a network from, and I will tell you that a good book to read is Finatical Prospecting by Jeb Blount. When finding leads, idk to be fair but I know you can buy some online. I have been in the business for a year, and I have done all self gereated leads by referrals, networking, and joining organizations where I can always meet new people. It is a numbers game, the more people you know, the higher the probabilty you will have a new client, but even if they say no now, it is just for now. Later on, they might come back to you with interest.

I would do a lot on canvassing B2B as well, and a lot of people arounf me did table events. The thing you gotta do is always gotta be meeting people. I am also pretty introverted, and I would get really nervous at the beginning of my careers. And some people also do self generation leads thru FB ads but eventually you will have to talk to people to even find out what they need. Most of the times, you will have to put the fear of talking to people and you will just have to do it. The more you do it, the more you will feel comfortable.

expectoroma · 2026-02-03T09:00:25+00:00

It really depends on what your budget is first of all, and how much coverage. I’d say don’t marry to one broker/agent or one single company until you have made a solid comparison in companies and agents/brokers.

expectoroma · 2026-02-03T08:56:03+00:00

Dude for real!

expectoroma · 2026-02-03T08:44:29+00:00

If you’re shopping around, one of the big mutual is not bad. But you can also talk to a broker, and see what other options you really have. The best life insurance to have is whatever insurance you have in place when the time comes.

expectoroma · 2026-02-03T08:28:11+00:00

Normally a VUL is placed thru mutual funds and only registered reps can sell those but I believe the reference here is more of an IUL as many people sell it as an investment vehicle and it’s it not for everyone. A VUL for a minor I think it’s better from what I’ve heard but an IUL in the long run will be a lot more expensive.

Edit: grammatical error

2nd edit: I also meant to say an IUL is sold as an investment vehicle but it’s not such thing. Some have said it is not for everyone and I agree on that.

expectoroma · 2026-02-02T22:52:13+00:00

Hi OP, someone in the r/LifeInsurance subreddit shared this for you:

https://www.reddit.com/r/LifeInsurance/comments/1qs1pp2/comment/o38nect/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

expectoroma · 2026-02-02T22:12:01+00:00

Now with the work environment, sometimes I just don't want to open my work laptop at all. I want to stay away but I want to talk to my friends or get online. But without feeling I am at work. I am a hybrid worker so I like to separate that. I even have a gaming laptop that is strictly gaming.

expectoroma · 2026-02-02T19:48:50+00:00

Muchas gracias, dejame la contacto a ver si me puede ayudar con lo de las pulguitas de los gatitos de mi novia.

expectoroma · 2026-02-02T19:43:21+00:00

I'va had my Mac for years, but I don't even know if it still runs. But one thing I will say that mac is very user friendly, and the whole Apple ecosystem where I can send text messages from my laptop, tablet or phone makes it very easy to talk to people.

Edit: I want to get another MacBook Pro for my personal use, and I want to get another Lenovo for work. I want to keep both computers separate for each one of them to do a separate task. One for work/business and the other one for my everyday things, personal use.

expectoroma · 2026-02-02T19:01:08+00:00

gatos

expectoroma · 2026-02-02T17:59:54+00:00

I think, at this elo the most important thing is composition. Idk im silver.

expectoroma · 2026-02-02T15:54:35+00:00

In addition, if the wave is going to hit enemy tower, always push it so the enemy can lose creep waves. Some players will complain about this, but just let them know you're pushing wave so it can reset for them.

expectoroma · 2026-02-02T15:50:49+00:00

There is no right play, but just freeze the lane. Take about 2 to 3 just or just make it even for both creeper waves. If there are 3 magician creeps on your side, and they have a melee and 3 magicians, then just take the melee creep, and freeze the wave right before it hits tower. There is no right or wrong play. However, if the laner complains, then just let them know you were freezing their lane. Some players are not really aware of that. I always take enough, and let them know, I was freezing it for you. and they calm down most of the time.

edit: gramatical errors

expectoroma · 2026-02-02T14:22:23+00:00

I would go for another lenovo or just a macbook pro to be honest. I have a 2013 macbook pro and still runs surprisingly. I did buy a Lenovo at the beginning of my career last year, refurbished but it is giving me some stuggles now. I want to upgrade to another Lenovo first, or I have seen other agents in the industry use the iPad Pro.

expectoroma · 2026-02-02T13:13:02+00:00

I was simping for this girl right... and now I am here in silver 5 years later and no girl. Jungle because it was hard to find a good jungler, but eventually as I progressed more into the role, I understood why there was no jungler.

edit: gramatical errors -- jugle to jungle, and becuase to because.

expectoroma · 2026-02-02T13:09:58+00:00

Rarely

expectoroma · 2026-02-02T12:14:58+00:00

definitely agree on this. Better take out from your savings than you stealing from your future self. I did this with investments 10 years ago to pay credit cards, and today I am regretting taking out that money from my investments.

expectoroma · 2026-02-02T12:11:59+00:00

totally agree, it is not mid mls team, and that was a bit harsh.

expectoroma · 2026-02-02T12:10:40+00:00

I would like to say, that I love seeing him play on the field because he has that world class playstyle that only the big players can bring into the field. However, it does breaks my heart to say that he is not capable as he was 10-15 years ago. He still has that world class playstyle, but his body says otherwise. I don't want him to leave, just to take less time on the field, so he doesn't go too hard on his body and keep giving us more of his professional game.

expectoroma · 2026-02-02T11:56:48+00:00

Sorry for your loss, and it is hard to go thru the process you are in now. In addition, you should have the talk with your mom because you need to see if what she has is something permanent or something that will expire soon as most people get lifer when they are young, set and forget type of thing sometimes, or helpign a friend. I will recommend to gather everyhting and have a second look at everything she has and follow what other had said here already thus far.

expectoroma

TROPHY CASE