Impartial Insurance Advisor is a professional service for those who currently own or are considering the purchase of life insurance
and want independent analysis and guidance unbiased by sales commissions.
Independent advice saves money.
How We Help
Consult
Referencing the information you submit in your initial Life Insurance Check-Up Questionnaire, Mike will arrange a comprehensive phone interview to discuss your current life insurance arrangements, new life insurance policies you’re considering, how those arrangements relate to your financial goals and our fee. Learn more…
Evaluate
Review life insurance, disability insurance, 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.
Do you still need the policy/annuity? Are there better policies? Is there a better use of those premiums in light of current circumstances? We help you determine which policies are winners, which can be improved and, when needed, how to best realign them.
Recommend
Right-size your current life insurance policies and provide specific advice about appropriate changes to the types of life insurance policies and amounts of coverage that are best for your situation and goals.
Guide
Offer market knowledge from 50 cumulative years (two generations) of experience with the goal of obtaining the best of the best from all options including employer-sponsored options, low-load, and no-commission policies. You should not be able to find better insurance policies than what we recommend!
Compare annuities with alternate investment strategies that also offer downside defense but with higher upside potential.
Our objectivity is assured because we don’t accept any commissions or compensation from insurers or their representatives.
Why Our Life Insurance Check-Up And Impartial Advice Can Benefit You
95% of American families have improvable life insurance arrangements. Left unimproved, existing life insurance policies and related arrangements can sap personal, professional and family financial vitality for decades.
Consider:
1. Fear sets us up for over-preparation regarding our life insurance arrangements.
2. The lure of higher life insurance sales commissions can be and is often a conflicting factor for life insurance agents and their companies. Whose interest takes priority?
3. There are major disparities in cost, coverage, and value among seemingly similar policies. Those disparities aren’t apparent unless you know how to identify them. We do.
4. People tend to by a policy, put it in a drawer, and forget it for decades.
5. Most people don’t carefully consider alternative uses of decades worth of premium dollars.
6. Most people don’t have a grasp of “normal life expectancy” and the low likelihood that, for example, a 20-year level policy might pay. We are easily impressed by illusion.
Any one of the factors above can significantly distort the decisions you make about your life insurance. Project those decisions over decades and the effect is well beyond what most people consider.
Impartial Insurance Advisor
Impartial Insurance Advisor is a professional service for those who currently own or are considering the purchase of life insurance and want independent analysis and guidance unbiased by sales commissions.
Why We Provide Impartial Advice
“To show partiality is not good – yet a person will do wrong for a piece of bread.”
Proverbs 28:21
How To Contact Us
207 Simmons Place, Augusta, Georgia 30907
Phone: 706-722-5665 | Toll Free: 888-870-7507