has anyone gone back into life underwriting after 14 yr break?
815357
it's not like that, life underwriting concepts are still there, the medical factors and knowledge are still there, what you need to do is your confidence to work again, learn new things and remind the old one during work.
188987
I have had a business since I was 18 years just using basic writing skills and selling my skills to others. In my 20's I became an independent consultant and have worked consistently into my 50's. I have several associates, young and mature who have packaged, marketed, and sold their "ideas" as consultants and freelancers as well. Search the net for some start-up tips and reading material. Who knows... you may come across one of my "how to" books. Good Luck.
366422
Go with STC, their material is great (did my 7/63 with them years ago).\n\nYour firm should really be taking care of this for you...
359819
You need to contact the Insurance Department of the state in which you were licensed.\nPay the licensing fee and see how far behind you might be in continuing education credits.  Get the credits and viola you are back in business.
738468
I'm 48, and my long-term financial planning is a weekly lottery ticket.\n\nRenate, please tell me how you did it!
1175112
Congratulations! I was in the same position when I was 22. I am now 28 and we are expecting our 2nd child in December as well.  Going to college with a family is hard, period. I had a crappy job and decided to continue college, I was able to take out some loans to make up the loss of income of my wife not working for 4months.\n It was HARD, to say the least, to keep up with a class schedule, a new baby, a new wife, and the pressure of running a household at a young age.But I was able to step up to the plate and work it thru, and trust me it was well worth it. \n\nMy wife and I graduated the same year and we never looked back.\nNo more crappy job, bright future, and a rewarding career.
45165
You could always look back in your checkbook to see how much you wrote the check for.  Best to call the old brokerage firm though and see if they still have the info in their databases.
307019
I recently retired from the real estate business in Central Florida after 27 years. For the past two years I have been offering free business mentoring services to young entrepreneurs. I can offer a variety of small business ideas depending on your personal interest and abilities. I will also make myself available for consultations by email or phone. I do not charge for these services.\n\nI must tell you that it is very difficult to get any (legal) business into a positive cash flow position that would be equivalent to your full time job. Most businesses take at least a few months to a year or more to start generating that kind of income. Can you afford to wait?\n\nIf you want to know more, please feel free to write to Bruce at boatclub@go.com . I will you help if I can.
425431
7-10 yrs, I started rebuilding my credit after about 2 years though with a prepaid credit card.
791217
I have personal experience in this, I wet through a horrible divorce in Jan 1996 and had to file Chp 7 which erased $65K then I remarried a great gal with some bill problems of her own which we tried to juggle for several years but we became overwhelmed we put everything in her name and she filed Chp 7 in 2002, the judge asked why I wasn't listed on bankruptcy and my wife answered that I had gone through Chp 7 in 1996 before we were married and you can only go through it once every 7 years.  So she had her debts discharged and included some medical bills of mine that her insurance covered without question. Now we are financially stable have bought a house. its been 10 years since i filed so it doesn't show on credit report, everything is okay. it would have been okay if it weren't for vindictive ex-wife but that's another story. don't stress, you'll be okay.
733250
I'm 39.  My husband and I are trying to keep our company doors open.  \n\nOur only income is from a land contract & rental, about $4500 month.  (We are not taking any paychecks from our main business)\n\nDebt?  $330,000 to bank -business\n$500,000 building\n$180,000 home\n$9,000 car\n$60,000 personal credit cards (used for payroll & taxes for employees)\n\n2 years ago, when I got married, I had NO DEBT.\n\nI miss those days.
666020
I am both a licensed insurance agent and the manager of accounts receivable for a large disaster-restoration company in Florida. I love my work...it's hectic, stressful and crazy, but I wouldn't trade it!\nI won't be doing this for the rest of my life, though.\nI plan on getting my adjuster's license soon. Then I'll work some CAT duty (catastrophic duty) and retire early!\n\nThanks for asking and have a great day!
104469
hotwire199 gave you some good advice. There is nothing an agency can do that you can't do for yourself. You have to be willing to dedicate the energy it will take to get things on track. Just a little more than a year ago I was so derailed off the track I didn't think there was hope. Now I am back on track and been doing great. I had a FICO of 498 when I started. Now I'm closing in on 700. You can do it! Good Luck!
1107733
Nope- Not a chance- Everything I went thru happened for a reason- I have learned so much through my 25 years and would not think of turning back time on anything-\nI have been raped, cheated on, divorced, lied to, fired, and each thing has made me a stronger and more determined person!
676691
You are not alone... Many people today are having to re-enter the job force. Many people list volunteer experience or even hobbies that may relate to the position they are going for.  Also I would list the employment experience you had when you were working.  Then add a brief entry on why you were away from the work force for those 20 years.  Many companies are looking for people willing to actually work for that paycheck as opposed to those who just show up and put in their time.\n\n Have you considered possibly working for yourself from home?  I am currently working to replace my job from home. (and would be interested in discussing the possibility of partnering up with others to do the same)\n\nThere are many different work from home businesses that you can get into... Many offer a way to promote them on or off line.\n\nI know our company can be done successfully either way (or using BOTH if you prefer)  I love the versitility of it all.  If you would like more details on what we do you may visit my site: http://learn2.momsmakemore.com \n\nTo help you in your search here is a little advice you should consider:\n\nWhat should you look for in an "ideal" internet/home business? \n\n- No or minimal start-up fees (Our business start-up is $29.00)\n- A product or service you feel good about (Consumable products used in every home… safer, more effective, less expensive, things people use and need on a daily basis)\n- A duplicable system (work FOR yourself- NOT BY yourself… we are a TEAM of individuals working to help others… “Enhancing the lives of those we touch by helping others reach their goals from Home!!!”\n- Residual income (Residual Income PLUS bonuses for helping others!!!)\n- Customizable web sites to promote your business (Free website for ALL Members)\n- Free training and support (Free Company and TEAM Training… we will work with you to reach YOUR GOALS!!!)\n- Free marketing materials and ideas (Our support team has 70 members who are there to help you every step of the way… Training and support from people who have been there and done that. Training provided via email, internet, or telephone)\n- Company in business at least 18 months and in good standing with the Better Business Bureau (Inc 500 Company in business for over 20 years with over 700 Million in annual sales. As for the Better Business Bureau: “The Eastern Idaho and Western Wyoming division of the Better Business \nBureau recently presented Our Company AND CEO with its 2005 "Hall of Fame" award. This prestigious award honored Our Company for its example of ethics and integrity in \ndealings with customers, employees, and the community. We have received many other Prestigious Awards.)\n\nContact me, through Yahoo360 or IM, for more information.
483176
No personal experiences, BUT I know a friend of a friend who worked for NY Life just out of college.  This person worked for a while as an agent.  He sold a number of policies, but he didn't earn enough from the commissions to live on, so he had to quit.  Later, he found out that's how NY Life has made their big bucks.  They intentionally hire kids fresh out of college, give them little or no training, no leads, no support.  The new agent won't sell a lot of policies, but the ones that he does, revert back to the company when the new agent quits.  Thus NY Life doesn't have to pay commission on those policies ever again for the life of the policies that were sold, which would be a humungous savings for NY Life.\n\nA sleazy way to make money, if you ask me.  It's a heads up, if you're planning on working for them.  It's also a heads up if you're planning on getting insurance through them.  Personally, I wouldn't.  They don't need any more money than they already have, and to make money on the backs of young kids with a built-in design for their failure is, well, sleazy.\n\nApparently it's been a practice of theirs for years.
1120521
my mom did over 20 years ago.  This is the worst mistake she ever did according to her.  Yeah it was great raising us and she actually did a wonderful job.  Today however she realised that she we are all grown up and she is all alone with nothing to do.  She is trying to get her carrier back but its proofing a lot difficult.  My advice to you would be to do it but have some part time work particularly at work.  Volunteer in orgnazation and go back to school.  This way when the kids are all grown up,  you would have to butt into their business in order for you to have something to do.  You will resume you career pefectly.  But remember the final decision lies with you.