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Many agents are selling life insurance, annuities, disability, and LTC policies based on outdated or self-serving advice.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.

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.

LifeInsuranceReview.com exposes how life insurance-only agents overstep, giving unauthorized investment/tax advice. We empower consumers with unbiased info & fee-only reviews, advocating for your financial best interest. Learn to document pitches, seek fiduciary advice, and use the 'Free Look Period' to avoid costly errors.

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.

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.

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.

Get a trusted, expert second opinion on life insurance from fiduciary analysts at LifeInsuranceReview.com—for consumers & professionals.

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.

Empower your clients with unbiased, fiduciary life insurance reviews. LIR ensures clarity, trust, and confidence in every decision.

Avoid bad life insurance policies! Learn the top 5 red flags: poor design, high costs, bad service, low ratings, and profit-driven insurers.

Don’t be sold—be empowered. Discover how LifeInsuranceReview.com ensures your life insurance fits your unique needs and financial goals.

Proper beneficiary designation on life insurance ensures your loved ones are protected. Avoid costly mistakes—review regularly.

Be critical about the advice your life insurance agent provides. Don't be sold, get a second opinion to explore, compare and verify options.