- Evaluate life, disability, and long-term care insurance, and annuity recommendations before you buy: a second opinion regarding amount, type of policy, and which company, usually saves costly mistakes.
- Evaluate in-force insurance policies and annuities. Do you still need the policy/annuity? Are there better policies? Is there is a better use of those premiums in light of current circumstances? We can help you discern which policies are winners, which can be improved, and how to best realign when needed.
- Right size the polices in light of current family and financial circumstances.
- Offer market knowledge from 50 cumulative years (two generations) of experience, with the goal of obtaining the best of the best, from all options: employer-sponsored options, low-load, and no-commission policies. You should not be able to find anything better than what we recommend!
- Compare annuities with alternate investment strategies that also offer down-side defense, but with higher upside potential.
- Do all this with the salutary restriction of no commissions to assure objectivity. You don’t have to wonder why we recommend what we do.
Why our services can benefit you
95% of American families have improvable life insurance arrangements. These financial bleeds roll on for decades sapping financial vitality. This is understandable considering there are two thousand insurers, whose advisors are paid only when they sell. Insurance is something we tend to buy and forget, while insurance markets, our finances, and families change.
- Our fears set us up for over-preparation.
- This can be exacerbated by fear mongering due to the influence of a commission.
- Our ignorance of how Americans are already best insured when we need it most.
- The disparity in cost differences among different policies; it’s not a close horse race.
- We tend to buy a policy, put it in a drawer, and forget it for decades.
- We don’t carefully consider alternative uses of decade’s worth of premium dollars.
- We don’t have a grasp of normal life expectancy and the low likelihood that say, a 20-year level policy might pay. We are easily impressed with an illusion.
- Any one of these factors can distort things significantly. Mixing them together geometrically increases the likelihood of error. Project it for decades and the effect is beyond what most people recognize.