Inquiring Mind asked:


I’d like to know if there’s a law or rule (especially in California) regarding the time between the death and the life insurance payout.

Kathy

Monica Sandler asked:


I have a few questions here and thanks in advance.

Can anyone please explain how do life insurance agencies (or financial advisory agencies) make their profit?

Is that true that the life insurance companies are paying around 100% of total first year premium to the agents? How do the agencies split that with the agents?

I would appreciate if you can throw in some numbers, since i am looking to invest some angel capital into an agency, so you would help if you give numbers.

Paul

Cherry asked:


We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we’re trying to figure out what would best provide for the family if God forbid something were to happen to him.

Doris

toogood2u03 asked:


I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Dale

Dubai Girl asked:


I actually planning to get one life insurance for myself.
But, I dont know the benefits of this one?
Can you please advise?

George

StraightBallin asked:


I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?

Jimmy

candi82 asked:


I am single, non-smoker, 25 year old female in reasonablly good health. Non-homeowner & no kids.

How do you invest through life insurance? Etc…

Vera

darkmanx1209 asked:


Someone I know has a whole life insurance policy with Metlife with a face value of $50,000. The annual payment is $290. How does Metlife earn money when they pay out much more than they get in?

Christian

jazngabsmom asked:


My husband commited a felony nine years ago when he was nineteen years old and has not been in trouble since. He is now a foreman, owns his own home and is just a regualr citizen, but he has been denied life insurance through 3 companies. Any suggestions?
His medical exam and history is perfect, he even qualified for prefered rates, but it all comes down to the background check.

Debbie