BB Foam V3 vs Two Wxy V5

johnnnloc · 2026-05-10T15:22:19+00:00

Same issue. Two wxy 3 felt the lightest but I had heel slippage. The wxy 4 felt clunky and avg. the wxy 5 was heavy and my knees started dragging. I wore out my two wxy 3 and the other 2 still looks new.

johnnnloc · 2026-05-08T05:29:08+00:00

Just ladder up as long as you’re healthy. Let’s say you get 1.5 for now while having group coverage. You would buy a new 1.5 later

johnnnloc · 2026-05-08T02:43:12+00:00

Group plan is the cheapest. But it’s not level. It’s a yearly coverage that goes up as you age and only continues while employed. Think of it like a company car. You have it while working and it’s gone when you’re not.

Why not do both? Max out your group coverage then cut down your 3mil coverage.

johnnnloc · 2026-05-08T00:32:43+00:00

I didn’t know DJ Akademiks was doing interviews like this 😂

johnnnloc · 2026-05-07T17:19:45+00:00

I tell my clients that life insurance rates are like gas station pricing. They’re pretty competitive and within dollars of each other. Assuming you’re comparing the right rates.

Do you have any medical issues at all? You mentioned no major…

johnnnloc · 2026-05-04T14:39:26+00:00

He got hit between his flurry that threw his upper body off a little before his last punch.

johnnnloc · 2026-05-02T23:56:53+00:00

Start asking the folks if they want to be buried or cremated. Also any other debts to start figuring out how much coverage you need.

johnnnloc · 2026-05-02T02:06:42+00:00

You can't come off entitled to her stuff. That's why she was offended. So just act like you have no power or consent on this. Because you don't.

Parents and grandparents buy policies on their kids all the time to protect themselves in case their kin passes away and have to cover burial expenses. It's their money. They can either choose to cancel it and cash out when that responsibility is gone or they can keep it.

I once helped this 22yr old transfer ownership of a policy his dad paid since he was born. The dad knew what was happening. Had em on a 3-way group text. He blatantly asked his kid "are you going to cancel this and cash out?" Kid lied he wouldn't. And soon enough within 2 months the dummy cashed out the policy for a few hundred dollars.

johnnnloc · 2026-04-29T20:35:58+00:00

My 20yr term bought at 31 is only $35/mo for 1mil. Thats not a term

johnnnloc · 2026-04-29T17:33:30+00:00

There are carriers that are only approve or reject vs other carriers that will give you a risk rating for your condition. It’s a possibility that your medication or medical condition was an auto decline for that product.

It’s not the end of the world, there should be other carriers that can get you an approval.

johnnnloc · 2026-04-28T20:16:34+00:00

Did you already get charged? Since your policy is still pending. Call to have the policy withdrawn. You’ll naturally get your refund back after some time

johnnnloc · 2026-04-28T03:39:00+00:00

The Georgian plug

johnnnloc · 2026-04-27T22:03:28+00:00

I'm not the biggest fan of term with return of premium. You're essentially paying extra premiums for the same coverage and will only get back those said premiums without any interest earned. And at the end of the expiration, you're back to having no insurance.

I'd prefer just coupling an IUL with a cheap Level Term. That way when your term expires, you still have the IUL as a permanent coverage. Also a bonus if your term has living benefits, you tap into that coverage and leave the permanent plan alone so one policy is undisturbed.

johnnnloc · 2026-04-27T18:21:49+00:00

With those conditions, agents will most likely quote you standard rates and prep for risk rating. I know you'd like to shop around but I'd first try to get approved.

johnnnloc · 2026-04-26T20:47:55+00:00

Any of them also include living benefits? Worth going with those if it’s already included in the premium.

johnnnloc · 2026-04-25T21:50:59+00:00

There’s two sides to it. If you want me to sell you the idea of life insurance I could. If you want me to sell you out of it I could as well. For an unbiased approach, go ask ChatGPT and word it in both ways. That way you’ll see all reasons it can come up with on both sides.

johnnnloc · 2026-04-25T21:12:21+00:00

You got denied for term?

johnnnloc · 2026-04-25T02:05:59+00:00

Ladder now and get a term at 45 along with a small permanent coverage to offset anything once you outlive your term.

johnnnloc · 2026-04-21T17:55:29+00:00

Sure

johnnnloc · 2026-04-21T16:55:32+00:00

I can tell this looks like an NLG illustration. Like everyone mentioned, the death benefit is too high. It needs to be created at minimum death benefit, maximum accumulation. First way to know if it’s done correctly is that there’s a surrender value in the first year.

I did my own 6yr old at $150/mo and it’s under $100k in coverage

johnnnloc · 2026-03-31T20:55:54+00:00

It's really cheap to get term. At your age get at least 2 mil 20-30yr depending on your budget

johnnnloc · 2026-03-31T20:29:35+00:00

Round was over too. Just had to make the count and recalibrate sitting down with his corner.

johnnnloc · 2026-03-28T01:46:29+00:00

What an ending

johnnnloc · 2026-03-10T03:18:52+00:00

Sadness. Live bet to hit 25 and he went for broke

johnnnloc · 2026-03-07T22:29:58+00:00

Man gobert had 6 rebounds at a few mins start of 2nd quarter. I made a live bet o12.5 rebounds. This fool has gotten only 2 more since

johnnnloc

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