October is National Financial Planning Month. Discover why life insurance, annuities, disability and long term care deserve a place in the planning conversation, and how independent review can uncover gaps in new and existing policies.

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.

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