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.
Testimonials
Mark Biller, Sound Mind Investing
I had long-time SMI insurance guru Mike Cave look over my insurance situation. He found me two very good alternative life insurance carriers. I’ll actually save about 13% on my premium while extending the term of the policy by 25% and getting with a much more stable insurer. That’s a win-win-win. Mike is obviously quite good at finding good deals that save you money as well. SMI doesn’t receive a penny for promoting this service, but we’ve grown to trust Mike’s advice on insurance matters. Mike has helped both Austin and me with our individual insurance situations, and we think there’s a good chance he’ll be able to help you.”
Tom Davis, Olympia, WA
The service you provided greatly exceeded my expectations. I was expecting assistance with number crunching to determine how much life insurance I would need for the next 8 or so years before I retire. You certainly provided the technical expertise and wise counsel that I hoped to obtain through your service, and I have greater clarity now for how to manage my life insurance needs going into the future. Your advice will also save me thousands of dollars over the next decade in life insurance premiums that I now realize I don’t need to purchase. What I didn’t anticipate was the breadth of your service and knowledge. Specifically, it was very helpful to walk through my current investment portfolio with someone who is very familiar with the principles and strategies of Sound Mind Investing. I have talked with other investment advisors over the years who were more interested in changing how I was investing rather than helping me fine tune the approach I am using and am comfortable with. You provide an excellent service and I appreciated the opportunity to work with you. Thank you for helping me become a better and wiser steward of the resources God has put in my care.
Eugene & Evelyn Turner, Memphis, TN
Thank you for fulfilling our request and for providing your counsel and assistance relating to the Life Insurance matter we are experiencing. Your professional expertise positioned you to gain much more information than we could have garnered had you not been representing us. We are very grateful for your service and happy to enclose our check as requested. Thank you and may your ministry continue to bless others as you have blessed us. (Hebrews 6:10).
Tony & Lindy Follett, Photogrammetry, Anchorage, AK
Lindy and I entered our retirement years on January 1, 2014. Coincidentally, the January issue of Sound Mind Investing newsletter had an article by Mike along with an endorsement for a life insurance review which we’ve intended to do for some time. We contacted Mike and found the process to be simple yet personalized. Mike is extremely knowledgeable and personable, and focused on truly serving our financial needs. He suggested a little-known IRS life insurance exchange which will save us money. He also recommended investment funds for our consideration that will balance preservation of capital with the desire for modest growth. It has been a pleasure to work with Mike as we begin the retirement chapter in our lives.
Jim, Retired Contractor, Tiffin, OH
I wanted to use some funds from life policies I felt I no longer needed. I appreciate your help in the decision, “Do I need the insurance or not?” Then you helped find the best way to secure those funds and also had some very solid advice on how to invest those funds. Best of all you didn’t have anything to sell, you were completely above board. If anyone has questions concerning life insurance they should talk with you.
Bruce Jung, M.D., Corbin, KY
Mr. Cave thoughtfully answered my questions regarding life insurance needs. He conducted a standard paper interview, reviewed it, and following up with a number of phone calls and emails. He then addressed my questions regarding the need for life insurance given our present life situation, the type of life insurance to obtain, and what ranges of insurance made sense in our situation. He also gave recommendations for an agent who arranged for the application process. Mr. Cave helped balance my inclinations with reasoned advice and sound statistics. The price I received for the amount of insurance I obtained was about 10 times cheaper than if I had just renewed my lapsing term insurance policy.
Mike Guiliano, United Airlines Pilot, Chicago, IL
Bottom line, Mike’s fee in comparison to my savings may have been one of the best investment decisions I’ve made. Thanks for the stellar advice.
Dan Andrus, Business Owner, MA
Before meeting Mike I floundered with financial decisions. I felt the mainstream people were more interested in selling than proper planning for my interest. Mike advised I actually didn’t need more life insurance and contacted my insurance company to adjust policies I already had. Having an organized conversation about the details of my life insurance and investments was the greatest value. I will continue working with Mike for my financial future.
Neale & Bonnie Davis, Campus Crusade for Christ, NC
You have helped set us in a new direction financially and we will always appreciate your hard work and expertise! God bless you!
Ivan & Jan Jones, Technology Supervisor, TN
I am glad to be able to recommend Mike. He listened patiently to my varied questions. We’ll be cashing in an expensive life policy and looking to other options that are wiser choices. Thanks much, Lord bless!
Tom Culp, Farmer/Retired Engineer, Lexington, OH
God’s timing is perfect! Our agent recommended we change a couple of whole life policies to new policies with the same company and I had just read a section in the SMI Editor’s Weblog about unbiased insurance evaluation, so we called for a second opinion. Thank you Mike. You opened our eyes to the real cost of insurance. Without your help we likely would have changed policies at a huge cost to us. We also appreciated your review of and counsel regarding our overall financial position.
Dr. Ryan Wetzel, MD, Columbia, SC
A Northwestern agent recommended a large cash-value policy. I called Mike for a second opinion. We ended up with a dramatically better policy than what had been proposed, still with the same company. I’d never buy insurance without first getting and unbiased opinion.
Richard Wetzel, Retired Civil Engineer, and Wife Janet
Our son had a good experience and suggested we get Mike’s opinion on a Protective policy we were questioning. His initial review showed we really didn’t need it. He then did some rate of return and life expectancy projections showing it would probably be a good investment. Mike helped us see it from a perspective we had not considered. This made our decision easy.
The Judds, Clinton Township, MI
We recently consulted with Mike Cave for a review of our life insurance and financial profile, and couldn’t have been more pleased with the quality/service we received. Mike took the time to thoroughly understand our personal situation and financial temperaments. He gave us good ideas and specific recommendations for improving the return on our investments and better management of our assets. Mike uses his professional and practical life experience combined with Biblical wisdom to deliver solid, top notch guidance and direction. We wholeheartedly recommend his services.
Sharon and Tim Baergen, Naperville, IL
We contacted Mike after a “College Planner” recommended we buy an annuity. Mike showed how this would earn less compared to the mutual fund upgrading strategy we were using. He then evaluated our other annuities, whole life, and variable life insurance, recommending we keep some and discontinue others. He suggested we didn’t really need the death benefit of the variable life, however when I didn’t feel comfortable losing that death benefit, Mike helped Tim obtain a term policy (which Mike did not sell) that saved us a lot of money. We felt Mike had a godly character we could trust, a hard thing to find. We think his fee was fair because evaluating these policies was something we could not do. We have already saved the fee back and are now reaping ongoing savings every month.
Dr. Matthew Skinner, MD, Glendale, AZ
Looking for life insurance was more difficult than I had imagined. Working with Mike was a great experience. He spent time getting to know me and my family so he could help me make the best decision with confidence, knowing I received the best insurance for my individual situation. Mike helped me make my decision with confidence, knowing I received the best insurance for the best price. Thanks again Mike!!
Mark and Liesl Marmon, CFO, Accountant, Atlanta, GA
I appreciated having advice from someone that could look at the overall picture objectively because they weren’t trying to sell me a product at the same time.
Paul Caldwell, Cabinetmaker, Asheville, NC
The changes Mike recommended resulted in our family saving over $500 a month in premiums. We were so pleased.
Lt. Col. Mark Closson, United Airlines Pilot, Charleston, SC
When SMI recommended using Mike to evaluate life insurance needs in Oct 07, I took them up on their advice. Mike helped me and did a stand up job. You won’t find people who evaluate insurance for a fee and make recommendations they don’t receive fees from so I think Mike Cave is a great recommendation.
Vicki and Rob Mosher, Louisville, KY
Over the course of the next 10 years we will save $5,555. And with coverage from a stronger company to boot! Yes, it did cost us $350 for the insurance checkup (just like you’d expect to pay something for a car tune-up or a medical checkup), but that expense will basically yield a 1500% return over 10 years. Try to get that in the stock market!
Tom Artz, Pharmacist, and Wife Anita, Hastings, NE
When we received an “independent” financial analysis 10 years ago it was disappointing. However emailing and speaking with Mike was very pleasant and informative. He showed us how to reduce our insurance costs while accelerating our debt reduction.
Mike coordinated everything with our local insurance agent. We went from four policies to one and should be debt free in five years, Lord willing. We really appreciate Mike’s help!
Charlton Veazy, Business Owner, Macon, GA
Many thanks for the independent review concerning family and company life insurance policies with substantial cash values accumulated over many years. In September 2008, having read a book by a financial advisor who categorically opposed cash-value policies, I was considering cashing them out. Your advice changed my mind. Your calculations of the internal rate of return helped me to see they were worth keeping and I now consider them part of the fixed-income portion of my total investments with a 6.5% tax-deferred yield. I’m glad I got your advice before acting, for it probably saved an expensive mistake. Your fee was money well spent. Your explanations were clear and I am now a believer in fee-based insurance advice.
Jeff Anderson, Engineer, Newark OH
Mike is great; he takes time with you to really understand your situation. His advice gave us confidence that we were making the best choice for our family. We’ll be saving many times more than his fee over the next 20 years.
Thanks Mike!
Peggy Arrington, Wilson, NC
Bob had always watched over our finances with a fine-tooth comb, so initially it was strange to comprehend that some stranger in Georgia would be able to provide us with valuable, financial guidance. However, one day as I was driving home from the high school where I teach, my attitude changed. Attempting to reach Bob, Michael called my cell phone. I pulled into the McDonald’s parking lot and spoke with Michael for a full thirty minutes. My conversation with this stranger was immediately genuine and authentically spiritual. Michael and I spoke about finances and my future. Michael listened attentively as I shared with him the role of money in my life. In our conversation I freely shared concerns about Bob’s and my financial future. We discussed the finances required to support the lifestyle I would seek, should I become a widow. From our conversation, Michael learned a lot about my heart and orientation to money. In the end, he was more than a stranger to me, and I was more than a stranger to him. Because Michael is a mature, Christian man, he listened and he comprehended what I was saying.
Bob Arrington, Wilson, NC
I contacted Michael about his services and he quoted an hourly rate, indicating his total fee to review our mortgage debt, life insurance investments, and financial needs for upcoming retirement, etc., would be about $1,000. Whoa! Based on the changes Michael recommended, in twelve months we will have a 150% return on our $1,000 investment. [actual fee paid $975, annual savings $2356, 240% return, fee recovered 5 months]
Jesse Lahey, EngagingLeader.com
Mike reviewed my Northwestern Mutual term life and disability insurance. My wife, Erin, and I felt Mike really understood our needs and desires, gave us wise counsel, and gently helped us make decisions we felt comfortable with. His fee was well worth it – we kept the disability but saved thousands on the term insurance, and perhaps many thousands more by avoiding bad insurance decisions.
Charlene, ICU nurse, Albany, Oregon
Mike has a wealth of knowledge that can cut through the confusion to focus on what you need to know.
Gary & Barbara Bauman, Japan
Hi Mike! I appreciated working with you and your patience with the long drawn out process. To be able to work with an impartial advisor like you is a freeing experience, knowing you don’t have a product that you’re trying to steer us toward so that you can earn your income through commissions. We considered your fee reasonable and it was worth every dollar to us.
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