Any tips on gaining life insurance clientele?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account over 401k due to tax considerations when I move back to Canada (likely 1-2 years from now). Any thoughts here? I don't think I'll have enough RRSP room to move 401k>IRA>RRSP and I would prefer to not have to file US taxes every year in retirement for withdrawls if I left the 401k in the US.

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

What health insurance bkd has? Any 401k match?

Does nagarro deducted tax from first month's salary, as company is saying that we can only show our investment once first salary is credited.

What is the difference in subscription to notified and subscription to approved mutual funds?

Should I trade in my iPhone 13 pro max for $720 to Apple? I don’t know what they sell for used but if that is a good deal let me know if you want to buy it.

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Any thoughts on PIC? The stock rose significantly in after hours on news of XL fleet merger. Does it still make sense to invest in it at ~$18?

I started investing in Vanguard Mutual Funds and and did some research online today and it seems like we can’t do that and it might not be halal. Does anyone have any insights here?

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Hi All. I moved to a new company , I just got my take home salary and my current pay is less that previous pay ,because of different state and other taxes. My new company is better but the pay is demotivating me . It is almost $500 less per biweekly pay check . What to do get out of the demotivation? I wouldn't have minded the same pay , but $1000 less /month is a lot !

What credit card do you use?

San Francisco peeps, what % of your salary goes towards your rent every month (if you live in the city, not suburbs)?

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What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

For those with corporate banking expertise, how do you typically go about calculating debt capacity for a company?

CFP & ChFC looking to change firms. Currently in a bank program, but not a large portable book to bring over to the next firm. Over a decade experience and about to finish up my MBA. Currently nowhere near the income level I want to be. Any suggestions for a good program to go to for my next move?

Hey Folks!
Joined Optum as a fresher at the start of year but later they increased fresher salary by a good %age but mine didn't change...can you pls suggest how can I approach this issue with Manager.

TIA

This one is for folks on h1b visa. So at time when you have an offer in hand(not accepted the offer yet and h1b transfer process not yet begun) while you are working with your current employer, do you even speak to your employer about your new offer to see if they make a counter offer?
Is there a risk involved with this approach assuming your current employer doesn't provide you with a counter offer and they ask you to leave immediately (and your h1b visa hasn't been transferred either)

Best thrift store in DC area? Please don't mention the one in Falls Church. It's horrible.

Account executive here, who has about 5 years of agency experience. Who else is completely over working in advertising and what steps are you taking/planning to make a career move?

Not looking to make a move anytime soon due to covid but am curious to what everyone else is thinking.

With the whole COVID situation, is the IELTS validty for 2 years still stringent? I have not gottent the ITA yet, due to limited draws and relatively higher cutoff. Are they giving extensions or anything?

I have a game I love to play at the airport. I find someone who has the most vague resemblance to someone famous and then insist they are that person.

Like "Oh my God, you're Tom Hanks! I love so many of your movies and I think you are great and so funny in interviews. How are you feeling? I heard you had covid?"

Guy who very very vaguely resembles Tom Hanks insists he isn't. Then I keep insisting he is.

This is a fun way to pass time during layovers.

Got an offer to join EY Consulting->Digital and Emerging Practice as a Tech Consulting Manager(M2) for Philadelphia office recently . I have below queries ,would appreciate if I can have some feedback:

Is it truly a remote position since traveling is not happening currently due to COVID ?

Is it a group for generalist PM’s to manage tech projects and what kind of projects do they work on ?what is staffing for a project ?

My last therapist keeps coming up in my mind. I left her when I moved to a new area before COVID dug in and frankly it felt like leaving a girlfriend. She also disclosed in the final session that she was a member of AA and knew several of the people I occasionally discussed from the rooms. Her knowledge of the program certainly built trust with me early on, but it has been two years. I discussed it with my current therapist but she’s still in there. Any advice?

What’s a good way to assess the health of a practice group (e.g. bench strength and that they’ll be enough work to go around)?

Hello to all b4 🐠 - what's your view on the cultural differences between b4 in Australia? Feel free to put down a ranking to your best knowledge, anecdotal or not. Thanks!

12/1 CheckIn: What’s everyone’s workout plan today? 🤗

Heading to 6:30am barre to celebrate our bowl hitting 1k members 🥳🤩😜

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Experience 4.5 years
E2E vendor Management

HI - I am M at T2.

Any P/AP in McK London willing to speak/chat reg how certain practice works etc. and refferal ?

A producer that I know, from a multinational company in Dubai told me that they smoke inside the office, like in their tables, meeting rooms and everywhere surrounded by non-smokers. HR and management knows, and also it's against the law. He's struggling everyday and doesn't know what to do. Did you face something like that? What's the solution?

Folks on H-1B: Does the 60 day grace period start from the employment end date, or from the date the last severance payment is made?

Can you travel out of the US while your H1B is pending approval?

Currently on STEM OPT.

Thoughts on branded search incrementality?
In what scenarios do you see it helping the bottom line vs not? Is. Competition, etc.

What do you do when compliance holds up your policy sale because they realize the person only wants the policy as an investment?

How are acquiring new clients

How do you create urgency to get them to buy the policy NOW!!!!!?

Let me know who here has dealt with impaired risk . Working with a 74 year old male non smoker who had a coronary bipass 11 years ago, may have some renal issues and is afraid to do a stress test. Any ideas or experience with something like this?Any carrier suggestions?

Anyone going to MDRT ?

P&C focused people: What do you do to find success cross-selling life policies? I mostly sell P&C off internet leads. Most are not the ideal client for my company but I take care of them like I would anyone else. I do okay but not great with life after having the client for six months once I move them into a preferred policy. That move saves them enough to make life doable coupled with established trust. I’ve been told just to quote the auto and life together initially but it feels “off” to me.

How do you get somebody to want to buy life insurance right now instead of waiting?!?

How do you help client's figure out how much life insurance is the right amount?

Can diabetics get long term care?

I’m finding that more and more people don’t care about what happens with her family after they die have you been observing this trend as well?

Hi I am wondering how long it would take to get established in the life insurance field just starting out. I am 28 working as a case manager for a government agency. Im currently making 91,000 and expecting another increase next January. Would I be able to replicate the same earnings in my first year? What is everyones thoughts?

Can anyone recommend a carrier that will write beyond the age of 85? Thank you !

Difference between Variable Life vs Variable Universal Life?

Anyone else consistently recommend whole life instead of a variable or universal life for those who want permanent policies? Why do you choose one over the other?

I almost had a policy I wrote replaced by basically the same coverage but at a higher premium because the other agent grossly misrepresented their product. Feels good to cause a scammer to get a CB.

Looking to connect with people in the NQDC or COLI/BOLI space.

How many policies a month do you sell?

Anyone know of a good IMO/FMO with a good range of disability carriers? Most I see is two, tops!

I’m getting leads from my business bankers for their business owners/lending clients. How can I break in with these customers and start making big insurance sales? Cont...