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Be Empowered, Don't Be Sold!

DID YOU KNOW...?​

  • Experience Gap: Did you know that nearly 90% of insurance agents quit within their first 3 years? Furthermore, most agents do not have the licensing or certifications required to advise on tax, investing, or estate planning. Consequently, the person advising you may be unqualified to meet your specific needs.​​

  • Commission over Care: Whether they are captive, independent, or brokers, most agents, brokers and financial advisors are motivated by sales-driven compensation. This ingrained incentive structure, combined with a frequent lack of oversight, often prioritizes a sale over the client’s best interest and policy designs that maximize commissions.​​

  • The Conflict Blindspot: Unlike doctors, attorneys, or CPAs, the life insurance industry has no "Best Interest" or fiduciary requirement. Agents, brokers, and financial advisors are not legally obligated to prioritize your needs, nor must they disclose their commissions on the products they recommend.

Take the short 2-minute Quiz Below:

The Need for LIR (Life, Annuity, Disability, LTC) Quiz

Has your agent, broker, or financial advisor ever presented policy illustrations that included an IRR performance report and a formal disclosure of all underlying charges & expenses?
Yes
No
I don't know
Was it clearly explained how your policy was structured in your best interest, including how commissions were managed to maximize your benefits?
Yes
No
I don't know
Did you get a second independent opinion when sold your specific policy?
Yes
No
I don't know
Did you request a side-by-side comparison and a detailed analysis of the available alternatives?
Yes
No
I don't know
Did the agent, broker, or financial advisor explain the 10-30 Day Free-Look Period?
Yes
No
I don't know
Did you throughly review your policy after it's delivered?
Yes
No
I don't know
Have you stress-tested or benchmarked the performance of your cash value policy or annuity?
Yes
No
I don't know
Have your policy been reviewed with your agent at least annually or every two years?
Yes
No
N/A
If you own your policy for more than two years, have your requested an In-force Illustration?
Yes
No
N/A
The Systemic Problems & LIR Solves Them.jpg
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