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“ABR Living Benefits Are Not Free” – What Most Insurance Agents Don’t Tell You
ABR Living Benefits are often marketed as “free,” but they’re not. Whether in term or cash value life insurance, these riders carry hidden internal costs that can reduce cash value growth and long-term policy efficiency. LifeInsuranceReview.com helps consumers uncover these costs with expert, unbiased reviews—ensuring you’re informed, protected, and not misled by sales tactics.
LIR TEAM
3 days ago5 min read


Whole Life & Indexed Universal Life Loan Options – What’s Best?
ChatGPT said:
Whole Life and IUL policies offer tax-free income through loans—but choosing the wrong loan type can hurt your policy. This article explains key differences like direct vs non-direct recognition (Whole Life) and participating vs standard loans (IUL). LifeInsuranceReview.com helps consumers make informed decisions with unbiased policy reviews, ensuring your loan strategy supports your long-term goals.
LIR TEAM
Jun 75 min read


Lack of Securities/Investment License – A Disservice for Life Insurance Consumers
Most insurance agents lack investment licenses and proven experience of investment and financial planning —leading to biased advice. LIR gives consumers the truth, unbiased.
LIR TEAM
May 315 min read


Death Benefits Are Not Guaranteed for Life: What Every Policyholder Should Know
Permanent life insurance isn’t always permanent. Learn why death benefits can lapse—and how an expert review can protect your policy.
LIR TEAM
May 175 min read


Blended Whole Life and IUL Policies – Pros & Cons
Blended Whole Life & IUL policies can boost cash value & returns—but few agents understand them. LIR is your expert, consumer-first guide.
LIR TEAM
May 105 min read


Life Insurance Policies Better in Another State?
Life insurance policies can offer better value in other states—LIR helps you review, compare, and choose the best option nationwide.
LIR TEAM
Apr 264 min read


A Square Peg in a Round Hole: Why LIR is the Right Fit for Your Life Insurance Needs
Avoid being a square peg in a round hole. Let LifeInsuranceReview.com help you review and verify your life insurance the right way.
LIR TEAM
Apr 124 min read


Three Types of Life Insurance Products
Get unbiased, transparent life insurance insights from LifeInsuranceReview.com. We educate & empower—helping you make informed decisions!
LIR TEAM
Mar 283 min read


Don't Believe the First Thing You Are Told—or Sold
Don't be sold—get a second opinion on your life insurance! Explore, compare, and verify with a fiduciary, not a salesperson.
LIR TEAM
Mar 213 min read


The Power of a TEAM Approach to Life Insurance Review
Get a trusted, expert second opinion on life insurance from fiduciary analysts at LifeInsuranceReview.com—for consumers & professionals.
LIR TEAM
Mar 153 min read


Consumer Expectations vs Reality of Buying Life Insurance
Buying life insurance? 9 out of 10 policies need improvement. Get a second opinion from a fiduciary expert at LifeInsuranceReview.com!
LIR TEAM
Mar 83 min read


Whole Life Insurance – Dividends Are NOT GUARANTEED
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!
LIR TEAM
Feb 224 min read


Large Loans in Permanent Life Insurance: A Big Risk!
Large policy loans can drain cash value, risk policy lapse, and trigger taxes. A 1035 exchange loan rescue can help. Get a review today!
LIR TEAM
Feb 153 min read


Financial Advisor Selling Life Insurance – What You Need to Know
Get a second opinion before buying life insurance from a financial advisor. LIR ensures you explore, compare & verify options.
LIR TEAM
Feb 83 min read


Paramedical Exam – What You Don’t Know
Discover paramedical exam tips: reuse existing results, avoid agent pressure, and explore life insurance options with LifeInsuranceReview
LIR TEAM
Dec 28, 20243 min read


How a Hammer Sees Everything as Nails – Life Insurance Agents & Brokers
When you’re a hammer, everything looks like a nail—discover how LifeInsuranceReview.com empowers consumers over commission-driven sales.
LIR TEAM
Dec 21, 20243 min read


How LIR Empowers Your Clients
Empower your clients with unbiased, fiduciary life insurance reviews. LIR ensures clarity, trust, and confidence in every decision.
LIR TEAM
Dec 14, 20243 min read


The 5 Common Traits of Bad Life Insurance Policies
Avoid bad life insurance policies! Learn the top 5 red flags: poor design, high costs, bad service, low ratings, and profit-driven insurers.
LIR TEAM
Nov 30, 20244 min read


Understanding Life Insurance Suitability For You – Don’t Be Sold
Don’t be sold—be empowered. Discover how LifeInsuranceReview.com ensures your life insurance fits your unique needs and financial goals.
LIR TEAM
Nov 23, 20244 min read


Comdex Rating & Ranking Matters: A Key Tool for Evaluating Life Insurance Companies
The Comdex rating simplifies life insurance comparisons by ranking companies (1-100) based on 4 major rating agencies. A must-use tool!
LIR TEAM
Nov 16, 20245 min read

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