Many agents are selling life insurance, annuities, disability, and LTC policies based on outdated or self-serving advice.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

Indexed Universal Life (IUL) policies often promise high returns based on various indexes, but many fail to meet expectations. Backtested results can be misleading, and alternative indexes typically underperform compared to the S&P 500. Despite high participation rates, poor market performance means zero returns. Agents often oversell IULs with overly optimistic illustrations. About 8 out of 10 IULs reviewed show significant cash value shortfalls. Be cautious and fully unders

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.

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.

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.

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.

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

Seven smart options for unwanted life insurance policies—get expert, unbiased reviews at LifeInsuranceReview.com.

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