Now that we are in 2026, the most overlooked part of financial planning isn’t a new product—it’s reviewing what you already own. Life, annuity, disability, and long-term care policies are long-term financial contracts that often go unchecked. An independent second opinion from a Licensed Life Insurance Analyst helps consumers and professionals identify risks, avoid costly mistakes, and use the Free Look Period to make informed decisions before it’s too late.

The Gift of An Independent Review is one of the most valuable protections consumers and professionals can give during year-end insurance sales season. With a legally required 10–30 day free look period, policyholders can review, modify, or cancel life, annuity, disability, and long-term care insurance with no penalty. An independent Licensed Life Insurance Analyst helps ensure policies are suitable, transparent, and aligned with long-term goals before it’s too late.

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.

Life insurance policies can offer better value in other states—LIR helps you review, compare, and choose the best option nationwide.

Buying life insurance? 9 out of 10 policies need improvement. Get a second opinion from a fiduciary expert at LifeInsuranceReview.com!