Buying life insurance in December is often more sales pressure than real savings. Learn why year-end “deals” can mislead consumers, how age and health truly determine pricing, and why an independent second opinion from a Licensed Life Insurance Analyst and LifeInsuranceReview.com (LIR) is essential. Protect yourself—and your clients—before buying any policy.

This formal lawsuit complaint review shows how misleading IUL sales, unrealistic illustrations, and hidden risks can lead to major financial harm. It’s a clear reminder why every consumer and professional should strongly recommend an independent second opinion—ideally from a Licensed Life Insurance Analyst. Cash value policies can lapse due to performance issues, making expert, conflict-free reviews essential.

Agents and life insurance companies can be sued and be liable for misrepresentation and negligent sales practices, especially with rising IUL and premium financing lawsuits. Consumers and professionals should always get an independent second opinion from a Licensed Life Insurance Analyst. LifeInsuranceReview.com (LIR) provides unbiased, fiduciary policy reviews that protect clients and prevent costly mistakes before they lead to litigation.

Discover how using AI like ChatGPT or Gemini can assist in reviewing your life insurance policy — but why only a Licensed Life Insurance Analyst at LifeInsuranceReview.com (LIR) can provide a truly independent, fiduciary-level second opinion you can trust.

Buyer Beware! Learn the top 3 Halloween scares of buying life insurance — bad policies, hidden costs, and underinsurance. Discover why getting an independent second opinion from a licensed life insurance analyst at LifeInsuranceReview.com protects consumers and professionals alike.

Avoid emotional sales tactics when buying life insurance or annuities. Discover how a Licensed Life Insurance Analyst and LifeInsuranceReview.com provide independent second opinions to protect consumers and professionals alike.

Most agents don’t show the Policy Charges & Expenses page — it’s not required to be included unless requested, and too technical to explain. Learn why consumers and professionals should get independent reviews from LifeInsuranceReview.com (LIR) before buying or recommending a policy.

Life insurance and annuity illustrations often look perfect on paper — but they’re not reality. Discover how fiduciary, fee-based reviews from California-licensed Life Insurance Analysts at LifeInsuranceReview.com protect clients and professionals from misleading projections.

Learn the 5 key questions to ask after being sold life insurance and why getting a second opinion from a licensed Life Insurance Analyst at LifeInsuranceReview.com protects both consumers and professionals from unsuitable policies.