Difference between Variable Life vs Variable Universal Life?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

Any thoughts on why ETH is fluctuating so much?

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

Which consulting firm has the best 401k match?

How much are people paying for renters insurance in Bay Area, specifically East Bay?

Drop your insurance company names, if comfortable.

Has anyone just taken a break from work without anything lined up? Every offer I’ve gotten wants me to start in a month and with 2 weeks notice that leaves me only 2 weeks to recharge. For my mental health I really think I need an extended break (like 3 months). I have about 60k liquid to sustain myself and pay about $1500 a month in rent.

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

Anyone else heard the news of KPMG staffing 1,500 employees to work 6 pm to 6 am reviewing documentation for cares act SBA bailout loans? My thoughts are 1- admirable cause 2- I would hate to (cont’d)

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

My sons friend is looking to get into real estate . He is a junior at Indiana University. Looking for recommendations.

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Whats the benefit of a roth ira vs an individual brokerage account?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Any recommendations on JV funds, hard money, private equity etc to fund MFC deals and great residential deals brrr/flip. Finding some great deals in my local market. Any tips on raising capital or attracting investors?
Thanks in advance.

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Is there any way to get around the coinbase fee when buying crypto?

Hi Fishes,
I am new to EY. What is EY GDS promotion policy in general?
Where can we get those details to check the required and expected things to go the next level?
How many levels in Staff? What is the min YOE is required to be a Senior?
How many months/years minimum we need to spend to be eligible for promotion (ex: minimum 1 year a person need to spend on one grade like that)

my last package was 4.8 how much I can expect in EY GDS having 5 year experience???

Please help

Does EY follow bands for different ranks? I have seen so different salary for same ranks and people at higher rank are earning less than people at low rank.

Does ey has doctors on call facility?

Can someone help with preparing for a product manager interview at Amazon? What to keep in mind? Any tips would be helpful

Hey Everyone! Can anyone throw some light on what the interview process looks like for Director level at EY Parthenon - Deal Management team? (experienced hire, non campus). How many rounds, case study or behavioral? Thank you.

Interviewed for the 2023 Enterprise Strategy Senior Consultant role at IBM. Went through to the behavioral interview after the case and am waiting to hear back. Any idea how long it usually takes?

what is the in-hand salary of 7.8LPA package in Persistent Systems ?

What are the health insurance benefits provided at SAP India ? What is the base cover and how much can it be extended to ?

One month later, I still can't find toilet paper. Any stores that you know restock tp regularly? TIA

What benefits do we get when moving to the UK from India?

I am getting the below.
1. Dependent visa for my family
2. 1 month accommodation
3. Relocation expenses.

Is there anything else I can ask for? Please share if you have any experience on the same.

Anyone been praying for something (or someone) for a long time (weeks, months, yrs) and it seems like nothing is happening/changing? I have and feeling really discouraged about it today. Anyone else?

Do friends ever dump you onto your therapist or psychiatrist or dismiss your valid, normal feelings as “oh did you tell your doctor about this?” I feel like they’re just shitty friends delegating off.

Is Friday scaries a thing? I slept last night already dreading Monday morning. It’s Saturday and I can’t enjoy the time I usually have to myself. I feel like I have to start working now so (cont.)

Any help would be appreciated.

My current tech stack is Microsoft Powerapps, PowerBI, Powerautomate administration.
But when I search to switch jobs in the same, the options are very less. Why? Can anyone suggest? or, what exactly should I search for related jobs?

Should i change my domain? or, Should i study something else in the same domain to get jobs???

YOE:2 yrs

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

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

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

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...

How many policies a month do you sell?

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.

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.

Can diabetics get long term care?

Anyone have life insurance marketing ideas that has worked for them? (E.g. direct mail, events, groups, etc.)

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?

Anyone going to MDRT ?

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

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

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?

I love the satisfaction of helping clients to obtain life insurance protection who had Cancer or Coronary or other medical history who thought there chances of obtaining coverage were slim to none. :)

Anyone know a VUL That's cheap for smokers?

Going to MDRT for the first time next month. Any advice on how to pack? What is the dress code like? It’s in Miami.

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?

How are acquiring new clients

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