Recent assignments
- Review of no-lapse universal life policy
- Sale of a life insurance policy
- Review of indexed universal life policies
- Review LTCI benefit options
- Premium optimization for existing life insurance policy
- Review of life settlement offer
- Review of indexed annuity before purchase
- More »
Recent blog posts
Recent mentions
- "Long-Term-Care Insurance: What You Should Know", Bottom Line Personal, September 2024
- "Term insurance conversions", Bottom Line Personal, 7/1/23
- More »
Recent articles
Recent presentations
- "Comparing Long-term Care Funding Solutions: An Actuarial Perspective", Society of Certified Senior Advisors, July 18, 2024
- "The Future of Life Insurance", AICPA & CIMA ENGAGE 2024, Las Vegas, June 5, 2024
- "Analyzing Long-term Care Funding Solutions Using Multi-state Modeling", AICPA & CIMA ENGAGE 2024, Las Vegas, June 3, 2024
- "Advanced Life Insurance Due Diligence: Reimagining the Process," Advisors4Advisors.com, February 28, 2024
- More »
The fee-only advantage
Fee-only insurance advisors help people answer questions like these:
- Is my agent recommending a good life insurance policy for me?
- Should I keep this policy that I own?
- Is life insurance a good investment?
- Should I buy an annuity?
- Should I buy insurance for long-term care expenses?
Unlike commission-based agents, fee-only insurance advisors have no financial incentive to convince you to do something. We don't sell insurance products. We help people make informed decisions about insurance, and our clients pay us to give them a complete picture of their options. We have no incentive to downplay risks or to avoid discussing a better alternative.
Almost every decision that you make affects the agent's commission, so how can you be sure that you are getting unbiased advice that is not tainted by the agent's conflict of interest?
For example, some insurance policies don't pay a commission. Some policies let the agent decide what the commission will be; if the agent gets more, you get less. Some policies have a design that makes it foolish to pay more than the minimum premium in the first year.
Fee-only insurance advisors work with your other financial advisors, including your agent, to help you make decisions that are right for you.
Do you know about TellUsTheOdds.com?
Is your long-term care insurance policy ruining your peace of mind?
Are you thinking of selling your life insurance policy?
Your first step should be TellUsTheOdds.com.
Copyright © 1998-2024 by Glenn S. Daily. All rights reserved. Legal notices.