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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 fiduciary-bound professionals, the life insurance sales industry has no "Best Interest" or fiduciary requirement. Agents, brokers, and financial advisors who sell products are not legally required to prioritize your financial well-being, nor are they obligated to disclose their commissions or the limitations of the products they sell.

Take the short 2-minute Quiz Below:

The need for Life, Annuity, Disability, & LTC Review

Has your agent, broker, or financial advisor ever presented policy illustrations that included an IRR or ROR performance report, along with a disclosure of all underlying charges and expenses?
Yes
No
I don't know
Did the salesperon clearly explain how the policy was structured in your best interest, including the management of commissions in order to maximize your benefits?
Yes
No
I don't know
Did you get a second opinion before or after purchasing your policy?
Yes
No
Didn't know who to ask
Did you request a side-by-side comparison and a detailed analysis of the available alternatives?
Yes
No
Not really
Did the agent, broker, or financial advisor explain the 10-30 Day Free-Look Period and it is important?
Yes
No
Not really
Did you thoroughly review your policy after it was delivered and got your questions clearly answered?
Yes
No
Not really
Have you stress-tested or benchmarked the performance of your new or current cash value policy or annuity?
Yes
No
Didn't know this was possible or needed
Has your policy been reviewed with your agent at least annually or recently in the past two years?
Yes
No
My agent has been passive about this
If you owned your policy for more than two years, have you ever requested an In-Force Illustration?
Yes
No
Not Applicable (N/A)
The Systemic Problems & LIR Solves Them.jpg
The LIR Comparison Chart
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