Avoid emotional sales tactics when buying life insurance or annuities. Discover how a Licensed Life Insurance Analyst and LifeInsuranceReview.com provide independent second opinions to protect consumers and professionals alike.

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.

Learn the 5 key questions to ask after being sold life insurance and why getting a second opinion from a licensed Life Insurance Analyst at LifeInsuranceReview.com protects both consumers and professionals from unsuitable policies.

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.

Protect yourself from failing premium finance life insurance. Learn how LIR’s Premium Finance Review & Rescue helps consumers & advisors avoid costly mistakes.

Did you know that most Indexed Universal Life (IUL) policies fall far short of their original projections? Since their launch in 1997, IULs have been sold as powerful cash value accumulation and death benefit tools—but the reality often doesn’t match the glossy illustrations. That’s why state regulators keep revising Actuarial Guideline 49 (AG 49). First introduced in 2015, it became AG 49-A in 2020, then AG 49-B in 2023—with AG 49-C already on the horizon. Each new version

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.