- 25,037
Folks,
Please forgive me if this question is not appropriate by any means.
Here is my challenge... I am an individual planning to buy life insurance for my personal family protection. I have been doing lots of research. I do not need much guidance and know pretty much what I need. I am looking for a specific policy from Guardian which is kind of close to my needs.
I am planning to buy a large policy but I hate losing first 2 years on investment in agent commission and other fees. Its sadly the ugly side of whole life insurance as consumer loses in first 5 years.
Is it ok for me to ask the agent to split his commission with me in the first year to soften the burden? This large fee/loss has kept me on the side lines for last couple of years and its just too hard to bite the bullet and take a substantial loss.
Please advice how to proceed. I dont want to offend someone and dont know if it is something that will be acceptable to the agent.
thanks
Priorities.
.....................................................................