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[quote=Anonymous][quote=Anonymous]OP, this is how it should work:

Financial planner reviews your entire financial picture. 
They input your numbers into some type of life insurance calculator.
They show you the results. There should be a high and a low number for the amount of term.

You talk it over with your planner and family and decide what is good for you.
The planner coordinates with a insurance firm that can get prices from a large number of firms. No compensation between the 2 firms.

The firm shops your health details to firms that will be the most cost effective. (They do not work with trash firms)

There are other things a planner can do to get your rates lower, you need to pay for this knowledge or look it up on your own.

A real financial planner can save you thousands/hundreds of thousands of $.

There are some good ones to be found here &gt; https://www.feeonlynetwork.com/

[/quote]

&gt; &quot;Never go to a financial advisor that charges percentage of assets under management as their fee - that's highway robbery!&quot;
&gt; OP engages the services of a fee-only financial planner.
&gt; &quot;OK, but never buy whole or universal life, only term - whole life is a scam!&quot;
&gt; OP buys a term life policy.
&gt; &quot;OMG, you hired a fee-only planner and bought term insurance - but did both at the same place?!&quot;

You twits are insufferable and a clear reminder to any business owner that some customers are misanthropic cheapskates and are to be avoided at all costs.[/quote]

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