u/Impossible_Way_6907

I was wondering what products are a must have when you are selling life insurance. If you don't have an issue generating leads, what products do you recommend you have in your portfolio to be able to service every client. I have an existing Health Insurance business and want to start offering life products to existing client and new leads. Do you guys only focus on one product primarily or do you have a multitude of them? Any IMO you recommend for contracting? Any information is appreciated.

Doing some paper trading using API and I'm seeing strange PNL numbers compared to actual order fill price. For example today I opened a 0DTE short Iron butterfly which I entered at a fill price of $19.20 around 12pm. Was making profit before market started recovering towards the end of the day when my trailing stop was triggered and the order showed a fill of $17.05. However there is a discrepancy with the combo fill price and the actual PNL that IBKR shows. Take a look below at the breakdown. How could I get a better entry fill and a better exit fill than what the mid price of the bag order shows. Paper trading account is using live data as I have all the subscriptions. Anyone have any Insight on the discrepancy?

Claude Code Breakdown:

Full timeline with all fills:

trade timeline — 2026-04-28

=== ENTRY ===

11:50:52 Connecting to TWS paper port 7497, clientId=7

12:00:01 SPX spot read: $7,122.73

12:00:03 Strikes picked: short 7125 / LP 7055 / LC 7195 (ATM butterfly, 70-pt wings)

12:00:05 Entry quotes captured (mids):

SP 7125P: $10.60 SC 7125C: $9.25

LP 7055P: $0.325 LC 7195C: $0.325

expected combo credit: $19.20/sh

12:00:05 BAG MKT BUY order placed (orderId 33)

12:00:10 ENTRY FILLED:

BAG avgFillPrice: -$19.20 → $1,920 received

Leg fills:

BOT 7195C @ $0.35 → paid $35

BOT 7055P @ $0.55 → paid $55

SLD 7125P @ $12.70 → rcv $1,270

SLD 7125C @ $9.30 → rcv $930

Leg cash sum: +$2,110 received (BAG underreported by $190)

Total commission: $6.47

12:00:10 Monitor active. Stop levels set:

base_stop: $24.28 (= credit + 0.10×max_loss)

take: $7.68 (= 0.40×credit)

trail trigger:$13.44 (= 0.70×credit)

trail-stop: $16.32 (= 0.85×credit, locks 15% credit)

=== MONITOR PHASE 1: combo decaying (no trail) ===

12:00:41 combo $19.25 (just past entry)

12:25:30 combo $17.60

12:55:29 combo $15.525 (best decay so far)

13:25:28 combo $13.75 (close to trail trigger)

=== TRAIL ARMED ===

13:27:32 trail_armed event:

combo decayed to $13.40 (below $13.44 trigger)

new stop level set to $16.32 (worst-case exit = +$288 profit)

=== MONITOR PHASE 2: trail active, combo bouncing ===

13:30:07 combo $13.225 (best of day)

13:35:17 combo $14.175

13:40:28 combo $13.725

14:05:16 combo $12.900 (deepest decay)

14:20:16 combo $16.325 (FIRST stop breach! count=1, but reset on next mark)

14:35:15 combo $13.175

14:40:25 combo $12.500

14:55:25 combo $14.575

15:05:14 combo $15.575 (rising again)

=== STOP CONFIRMED ===

15:05:45 combo $16.575 (first breach, count=1)

15:06:16 combo $16.775 (SECOND consecutive breach, count=2)

15:06:16 stop_confirmed event triggered

=== EXIT ===

15:06:16 exit_placed_MKT (orderId 35), expected_debit $16.775

15:06:18 EXIT FILLED:

BAG avgFillPrice: -$17.05 → $1,705 paid (per BAG number)

Leg fills:

SLD 7195C @ $0.05 → rcv $5

SLD 7055P @ $0.05 → rcv $5

BOT 7125P @ $1.10 → paid $110

BOT 7125C @ $13.20 → paid $1,320

Leg cash sum: -$1,420 paid (BAG overreported by $285)

Total commission: $6.47

Per-option P&L attribution

ENTRY EXIT NET CASH REAL PNL (IBKR)

(incl comm)

─────────────────────────────────────────────────────────────────────────────────

LP 7055P (long wing) BOT @ $0.55 SLD @ $0.05 -$53.10 -$53.10

paid $55 rcv $5

SP 7125P (short put) SLD @ $12.70 BOT @ $1.10 +$1,156.72 +$1,156.72 ★

rcv $1,270 paid $110 ──────────────────

BIG WINNER (time decay)

SC 7125C (short call)SLD @ $9.30 BOT @ $13.20 -$393.28 -$393.28

rcv $930 paid $1,320 ──────────────────

LOSER (SPX moved up to 7141)

LC 7195C (long wing) BOT @ $0.35 SLD @ $0.05 -$33.10 -$33.10

paid $35 rcv $5

TOTAL NET +$677.24 +$677.24 ✓

What ACTUALLY happened in dollar terms

Cash IN (entry, gross): +$2,110

Cash OUT (exit, gross): -$1,420

Commissions (8 fills): -$12.94

─────────────────────────────────────

NET ACTUAL P&L: +$677.24

NET ACCOUNT IMPACT (IBKR): +$677.24 ✓ matches realizedPnL exactly

What the BAG numbers SHOWED (the bug)

BAG entry: -$19.20 = $1,920 received

BAG exit: -$17.05 = $1,705 paid

BAG-based "P&L": (19.20 - 17.05) × 100 = +$215.00

Discrepancy from actual: $677 actual vs $215 BAG-reported = $462 understatement