We provide comprehensive life insurance review services tailored to meet the needs of your clients. Our leadership TEAM includes Life Insurance Analysts, CLU®, ChFC®, CFP®, Tax Professionals, and an Estate Planning Attorney—all Life Insurance Licensed and committed to delivering exceptional results for your clients.
Email us: partners@lifeinsurancereview.com
Call us directly: 1(888) 750-5433 ext.108
Your Advocate Leadership TEAM
James G. Burns, JD, LL.M, TEP®
TEAM Lead & Attorney
Ins. Lic. #0E00909 (since 2003)
SBC #208656
Mark Townsend, CLU®, ChFC®
Life Insurance Product Review
Ins. Lic. #0804586 (Since 1982)
Ron Kring, MBA
Business Case Planner & Advisor
Ins. Lic. #4255648 (since 2022)
Drew Knox
Policy Optimization Specialist
Ins. Lic. #0F60319 (since 2007)
Noel M. Nguyen, MSA, MSL, CPA
Policy Performance Analyst
Ins. Lic. #0M13310 (since 2017)
John D. Nguyen, EA, CLU®, ChFC®
Chief Life Insurance Analyst
Ins. Lic. #0E72907 (since 2005)
Jack Cotlar, M.D.
Medical Director & Medical Records Analyst (35yr+ Expertise)
Matthew Dike
Case Specialist & TEAM Mgr.
Ins. Lic. #4099337 (since 2021)
John J. Oh, CPA
Policy Performance Analyst
Ins. Lic. #1542906 (since 2020)
Stephen Shloss, CFP®
Comprehensive Financial Planner
Ins. Lic. #0F78784 (since 2007)
Kamron Nahavandi
Lead Life, Annuity, & LTC Analyst
Ins. Lic. #0F66828 (since 2007)
John McLean, CFP®
ADVISORY BOARD Lead & Life Insurance Industry Expert
Ins. Lic. #0643873 (since 1986)
+ our TEAM of 14 Associates ready to serve you!
Our Story
Before we became life insurance review specialists, we were policyowners ourselves — and we experienced firsthand what it feels like to be sold policies that did not perform as illustrated or promised. At the time, there was no independent resource like LifeInsuranceReview.com (LIR): no trusted, unbiased firm dedicated solely to reviewing, analyzing, and verifying life insurance policies from the consumer’s perspective.
Since 2011, our comprehensive review process has revealed a concerning pattern. Approximately 9 out of 10 policies we analyze are mis-sold, overpriced, poorly designed, or misaligned with the client’s actual financial objectives. Of those, we are able to restructure, repair, or significantly improve roughly 80%. Unfortunately, about 20% are beyond repair due to structural flaws, excessive internal costs, or irreversible design decisions.
These statistics are exactly why LIR exists.
We stand on the side of consumers — raising awareness, increasing transparency, and bringing fiduciary-level analysis to an industry that too often operates without true accountability.
