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.

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

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.

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.

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.

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.

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.

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

Permanent life insurance isn’t always permanent. Learn why death benefits can lapse—and how an expert review can protect your policy.

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

Get unbiased, transparent life insurance insights from LifeInsuranceReview.com. We educate & empower—helping you make informed decisions!

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

Maximize your wealth transfer! Learn why converting IRA funds to life insurance can yield higher, tax-free benefits. #EstatePlanning #LIR

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!

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