The NAIC Best Interest training requirement now applies in all states, raising the bar for annuity sales. But consumers still face complex products, conflicts of interest, and illustration risks. That’s why professionals and clients trust LifeInsuranceReview.com (LIR) for independent second opinions and unbiased policy reviews.

Did you know that most Indexed Universal Life (IUL) policies fall far short of their original projections? Since their launch in 1997, IULs have been sold as powerful cash value accumulation and death benefit tools—but the reality often doesn’t match the glossy illustrations. That’s why state regulators keep revising Actuarial Guideline 49 (AG 49). First introduced in 2015, it became AG 49-A in 2020, then AG 49-B in 2023—with AG 49-C already on the horizon. Each new version

Life Insurance Awareness Month: Get a second independent review by a licensed life insurance analyst agency today! When it comes to life...

Life insurance is sold by focusing on concepts, which often leads to people overlooking the specific product details

Most people buy life insurance from an agent or broker, but for complex policies like IUL, Whole Life, and VUL, the smarter choice may be a Licensed Life Insurance Analyst. Unlike sales-driven professionals, analysts provide objective, fee-based reviews, aligning your policies with financial and estate planning goals. At LifeInsuranceReview.com (LIR), clients gain unbiased expertise to protect their wealth and future.

Many agents sell Indexed Universal Life (IUL) on the promise of “0% no loss” or even a 1% floor—but that’s only half the story. Policy charges and rising insurance costs mean “zero” years are actually negative, often -2% to -2.5% net. Floors above 0% are usually temporary, can be reduced anytime, and come with hidden costs. That’s why IULs must be explained and designed properly—and why an independent review from LifeInsuranceReview.com (LIR) is essential.

LifeInsuranceReview.com (LIR) announces its first book in the Life Insurance Confidential series — Don’t Let Yourself Own a Bad Policy, by Chief Life Insurance Analyst John Nguyen, EA, CLU®, ChFC®. This consumer guide exposes industry practices, reveals why most policies can be improved, and empowers readers to demand transparency, act in their best interest, and seek independent reviews.

Many agents are selling life insurance, annuities, disability, and LTC policies based on outdated or self-serving advice. The new OBBB Act changes the tax landscape, reducing the need for many of these products — yet the sales push continues. LifeInsuranceReview.com offers independent, fiduciary policy reviews to help you avoid being sold and start making decisions in your best interest.

Indexed Universal Life (IUL) policies often promise high returns based on various indexes, but many fail to meet expectations. Backtested results can be misleading, and alternative indexes typically underperform compared to the S&P 500. Despite high participation rates, poor market performance means zero returns. Agents often oversell IULs with overly optimistic illustrations. About 8 out of 10 IULs reviewed show significant cash value shortfalls. Be cautious and fully unders

Life insurance underwriting can make or break your approval and pricing. At LifeInsuranceReview.com (LIR), we specialize in complex cases that other brokers can’t solve. Recently, we secured $34.5M in coverage for a client who was declined by 14 companies. Our expertise, in-depth medical reviews, and carrier relationships give clients the best chance at approval—even when others have failed.

LifeInsuranceReview.com created its own “Dear Policyholder” letter to remind clients that their life insurance policy was not sold to them—but purposefully chosen after a thorough, unbiased review. As consumer advocates, LIR helps people truly understand their coverage, uncover better options, and buy with clarity. This heartfelt letter is now shared publicly to inspire informed choices and protect families with confidence.

Many IUL illustrations look promising but leave out key details like fees and net returns. In one 41-page case we reviewed, two critical pages were missing—hiding real costs and overstating performance. LifeInsuranceReview.com helps consumers uncover what’s not shown, offering unbiased reviews so you can make informed, confident decisions before buying or exchanging a life policy. Don’t rely on assumptions—get the full picture first.

Most insurance agents lack investment licenses and proven experience of investment and financial planning —leading to biased advice. LIR gives consumers the truth, unbiased.

Blended Whole Life & IUL policies can boost cash value & returns—but few agents understand them. LIR is your expert, consumer-first guide.

Life insurance policies can offer better value in other states—LIR helps you review, compare, and choose the best option nationwide.

Term policy conversion mistakes are common. LifeInsuranceReview.com helps verify, protect options, and guide clients with expert reviews.

Avoid being a square peg in a round hole. Let LifeInsuranceReview.com help you review and verify your life insurance the right way.

Don't be sold—get a second opinion on your life insurance! Explore, compare, and verify with a fiduciary, not a salesperson.

Whole Life Insurance isn't as simple as it's sold to be—dividends aren't guaranteed, and premiums may rise. Get a fiduciary review today!

Large policy loans can drain cash value, risk policy lapse, and trigger taxes. A 1035 exchange loan rescue can help. Get a review today!