Who We Are
Our History
Mike Cave grew up in a life insurance family working closely with his dad, Dewey, who had been a life insurance agent since 1960. When Mike joined Dewey in 1976, Dewey directed him to Northwestern Mutual, one of the finest insurers in the USA.
Following his training and over time, Mike learned the importance of debt-free living through Larry Burkett, the founder of Crown Financial Ministries, and about no load mutual fund investing through Austin Pryor of Sound Mind Investing (SMI). Mike also learned that no matter how good one insurer is it will never be the best for all types of life insurance and there will always be conflicts of interest between the insurer and the consumer.
All of these experiences led Mike to the conclusion that the public would benefit from an experienced, knowledgeable advocate who had only one loyalty – the consumer – and Mike founded Impartial Insurance Advisor to offer his expert counsel to clients and families throughout the USA.
Who We Are Today
Mike Cave has firsthand experience as a career insurance agent for 15 years from 1978 until 1993. He knows how to get good insurance value in the marketplace.
Mike is very sensitive that each excessive dollar spent on insurance is one less for debt repayment, funding Roth IRA’s, or building emergency funds.
- Finance major, Emory Business School-1976
- Career agent with Northwestern Mutual Life from 1977-1993
- Chartered Life Underwriter (CLU) -1985
- Chartered Financial Consultant (ChFC)-1986
- Registered Investment Advisor-1993
- Licensed Insurance Counselor
- Over 30 years experience reviewing the needs of hundreds of clients and analyzing their policies and assets; delivered many millions of dollars of life insurance proceeds
- Helped many widows manage their finances on an ongoing basis.
- Advocate of the “Sound Mind Investing” (SMI) approach, a tried and proven strategy that has delivered market-beating returns.
- Author of numerous articles in Sound Mind Investing and Money Matters Newsletters
Our Mission
Our mission is to provide high quality, independent advice about life insurance, disability insurance and annuities to help you optimize coverage and save money.
Mike is frugal by nature and over the years has observed enormous waste through the misuse and overuse of insurance. He loves helping consumers do better.
“Of what I bring to the table (experience, ability to evaluate policies, familiarity with insurance markets, understanding of investment alternatives, etc.), the most valuable is impartiality. It gives me the clear vision to see solutions I would not see otherwise.” – Mike Cave
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