Explores why many consumers are never shown Variable Universal Life as an option when comparing life insurance for accumulation. Due to licensing, regulation, and compensation structures, most agents only offer fixed products like IUL or Whole Life. This article explains how modern VULs have evolved, why transparency and FINRA oversight matter, and why an independent second opinion from a Licensed Life Insurance Analyst at LIR can help consumers and professionals avoid costl

The 10 Costs of Being Sold a Bad Policy reveals the hidden financial, tax, time, and health consequences of poorly designed life insurance. Learn why an independent second opinion from licensed life insurance analysts can prevent costly mistakes—especially during the free look period.

Now that we are in 2026, the most overlooked part of financial planning isn’t a new product—it’s reviewing what you already own. Life, annuity, disability, and long-term care policies are long-term financial contracts that often go unchecked. An independent second opinion from a Licensed Life Insurance Analyst helps consumers and professionals identify risks, avoid costly mistakes, and use the Free Look Period to make informed decisions before it’s too late.

The Gift of An Independent Review is one of the most valuable protections consumers and professionals can give during year-end insurance sales season. With a legally required 10–30 day free look period, policyholders can review, modify, or cancel life, annuity, disability, and long-term care insurance with no penalty. An independent Licensed Life Insurance Analyst helps ensure policies are suitable, transparent, and aligned with long-term goals before it’s too late.

Life insurance and annuity products are increasingly complex, and recent J.D. Power studies confirm that many consumers do not fully understand the policies they own. With infrequent advisor communication and confusing policy statements, serious issues often go unnoticed until it’s too late. This is why consumers and professionals alike should use the free-look period and seek an independent second opinion from a Licensed Life Insurance Analyst.

Many consumers and professionals overlook how valuable employer-provided life and disability benefits can be when planning personal insurance. Before buying or being sold a policy, it’s critical to understand what coverage already exists, identify gaps, and avoid unnecessary costs. LifeInsuranceReview.com (LIR) partners with consumers and professionals to provide independent, fee-based second opinions from Licensed Life Insurance Analysts—ensuring your interests come first, n

Many consumers discover too late that their annuities—especially Fixed Index Annuities—underperformed due to lowered caps and unclear expectations. An independent review by a Licensed Life Insurance Analyst can reveal better options, prevent costly mistakes, and provide true annuity rescue strategies. Partner with LifeInsuranceReview.com (LIR) for a trusted, unbiased second opinion.

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.

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.

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.

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.

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.

Most IUL policy illustrations leave out key pages—like Charges & Expenses and Internal Rate of Return—that reveal the true costs. At LifeInsuranceReview.com, we’re fee-based experts who help clients and their advisors uncover hidden fees, compare options, and make informed decisions. If you don’t see these pages, you’re not getting the full picture.