This is my first time purchasing Life Insurance. I am planning to purchase Term Life Insurance policy. It gives me an option to own it myself or jointly own it with my wife. What are the considerations when choosing among the options? Also is one option popular with married couples over the other?

Hi, experienced the worst out of Covid, lost my parents and now I have to make a lot of changes. My sister lost her job while I still have mine thankfully. I want to get out of my employer’s life insurance, but not sure which company to go for. I make roughly around $46k and I’ve seen the reviews for Allstate. I don’t like jumping into big named companies without doing better research. I tried studying a bit on the policies, but I honestly rather reach out to someone with better expertise. I just want a permanent policy I can do for myself and my sister. If term is recommended then I can do that. But from what I read, it’s probably better for permanent. Just don’t know which type to get or who to be insured by lol Any suggestions are welcomed, thank you all for taking the time to read this. Truly means a lot, bless you!!

So I just took out life insurance and one question was are there any other medical conditions not already mentioned. I was referred to a colorectal surgeon re haemorrhoids but I was too embarrassed to say on the phone to this happy sales guy. I have a follow up telephone appt with the surgeon in Dec to decide whether I want an op. Could my life insurance be declined based on non-disclosure? What should I do?

I heard that you can sell (cash out) life insurance policy, I was just wondering what are the steps I take to do so? Have ran into some hard times and could use some extra cash. currently living with the in-laws and need to get out of their house . 27 year old male, no health problems.

Started my new job. Wife and I are offered optional life insurance, but have no idea or direction on how much to select. I know its increments of 10k, but could anyone lend information or guidance on what would be a good amount to target? Thanks!

Nobody had given me a heads up that a blood draw would be required for life insurance. I showed up to a random examiner's office building, which amounted to a closet-sized office and was shared with 40-50 other companies. I met the woman doing the examination out front of the office and she had all her supplies in her bookbag. Nothing in there spoke sanitized medical facility to me, and the nice lady whips out a needle and expects me to be OK with a stranger taking my blood and then shoving it into a backpack? I asked and she plainly said she would be dropping the blood sample off at fedex, where it would be shipped across the country for processing.

It's weird.

Mind you I'm totally OK sharing my health information and results of the blood exam. I'd even use my own health insurance to cover the exams, but thus far that hasn't been deemed acceptable. How is this normal behavior where a stranger in plain clothes meets you in a dusty office building with nobody else around and takes your blood?

Hi All,

I have started a new job as a Life Consultant, but before my company can release me into the field, I need to submit 10 practice presentations. I don't have many friends, so I don't have anyone to practice with. It will take around 15 mins over zoom and any information you share with me will be completely confidential. If anyone is interested in helping me out, please reply.

Hi, I own a small business and was wondering if there were any life insurance options for small businesses or business owners? Thanks!

Finance is 30 and has very poor medical history. in 2022, she is set for two heart surgeries. I am new to life insurance, but from the research I did, it doesn't look like she can qualify for even guaranteed life insurance because she's so young. I would entertain any options if any exist for her?