The average person does not have the training or knowledge to analyze an insurance policy to know if it’s a good deal or not. You probably don’t know what questions you should be asking and the information you’re being given is coming from the person who will be paid a commission for selling you the policy. Don’t you want to know if your life insurance purchase will turn into a financial disaster before you put your money in? Protect yourself and your money. Get the facts you need so you don’t get burned.
You are considering investing tens of thousands of dollars or more. What is your due diligence worth?
This analysis is unmatched.
Any other similar service falls short in that the information is limited or it is offered by an agent trying to get you to change your insurance over to him. We are not selling you a life insurance policy so we have no ulterior motives. This is a fee-only service to protect you by giving you full disclosure of the policy and the agent. When you buy life insurance you are committing to an on-going premium payment and are agreeing to all parts of a contract that is written to make it difficult, if not impossible, to understand. Use our expertise. We are your best line of defense to keep you from making a bad buying decision.
This Life Insurance Analysis includes:
Background check on the agent. Wouldn’t you like to know if the agent has a dozen lawsuits filed against him? Would you still buy from this person if you found he has multiple complaints filed against him from other buyers? We’ll run personal, business and license background checks on the agent and tell you who you’re dealing with.
Policy Fees and Expenses. The life insurance industry has very few disclosure laws they must follow. As such it is easy, and legal, to conceal the true fees and expenses a buyer will pay for their life insurance policy. We will provide you with a full fee and expense disclosure report so you know what you are buying and what it will cost you. This includes loads, fees, charges, rating costs, premium payment expenses, mortality fees, and more all specific to your policy.
Policy information. Wouldn’t you like to know if your policy will do what you’ve been told it will do? Based on your reasons for buying life insurance we will tell you how well the policy will work for you. This includes death benefits, cash values, investment options, settlements, how many years you will pay the policy, and how long you want the coverage. Not how much coverage you need. We will tell you which years have the highest premium costs and how to save money on fees. What happens after year 10 and how to plan with that information. When will policy interest rates change and what happens when they do. How will borrowing money from the policy change the policy. The risk that you could get a big tax bill in the future. The relationship between fees, interest rates and premium payments. And much more valuable information.
Commission. There is no requirement for an agent to disclose their commission in the sale of a life insurance policy. Wouldn’t you like to know how much your agent will earn from your purchase and then decide how objective they are?
Premium funding. There are many ways in which life insurance premiums can be paid; i.e. write a check, through a Trust, by a corporation, or via loans. Each has its own inherent risks. Wouldn’t you like to know if there are risks to the way you are planning on paying for your policy? We’ll evaluate your intended method of payment and disclose the possible outcomes that you will need to know.
Consultation. On a recorded telephone line we will explain, in simple English, what you are buying and answer your questions. At the end of the conversation a recording of the call will be emailed to you for your private use.
Contact Us now to get started (888)428-4868
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