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.

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.

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.

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Get a second opinion before buying life insurance from a financial advisor. LIR ensures you explore, compare & verify options.

Learn the unique Life Insurance Planning X-Curve by LifeInsuranceReview.com (LIR) to better understand life insurance company products.

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