Posted by: fuzone February 18, 2016
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I am sorry for your experience but I want to say not all agents are commission thirsty crooks. Some of them out there are really trying to help families in need. I work for insurance company and I am glad that I do this for living. I have my full time job and I do this on the side. Not being dependent on this business for my living, I provide the product on what the family can chew. I explain my clients in detail what they are about to get into and get them the policy depending on how much they can afford and what they want in their insurance. The premium depends on your age, height, weight, medical issues, type of work you do and ofcourse the face amount. And, if you plan on getting more riders such as diability, accidental death benefit then your premium gets higher too. And the fact about IUL (Index life insurance) is sth i do not agree with the speaker. I think it is a best way to invest on your retirement unless you want to invest on the stocks on your own. 401k, IRA they are all old news. After 2003 and 2007-9 recessions.. ppl are thinking do not want use them as their retirement vehicle. thats why we have IUL. there is a cap but there is one for the ceiling abd one for the floor. IF you want more on investment and insurance please inbox me. I will be glad to share the knowledge..