Recent assignments

  • Review of no-lapse universal life policy before purchase
  • Alternatives to dropping an existing whole life policy
  • Review of existing indexed universal life policy
  • Review of existing whole life policy with a loan
  • Questions about existing universal life policy
  • Review of existing no-lapse universal life policy
  • Design of new variable universal life policy
  • Review of deferred compensation proposal
  • More »

Recent blog posts

Recent mentions

Recent articles

Recent presentations

  • "Life Settlements For Fiduciaries,", May 1, 2019
  • "Planning with Life/LTC Insurance Combo Products," Financial Planning Association - New York, May 15, 2014
  • "Challenges in Providing Competent Advice About Annuities," NY NAPFA Study Group, November 20, 2013
  • Webinar: "Understanding No-lapse Universal Life Policies," February 7, 2013
  • "Opportunities and Pitfalls with Today's Life Insurance Products," AICPA Advanced Personal Financial Planning Conference, Las Vegas, January 21, 2013
  • "An Overview of the Life Insurance Marketplace," NAPFA East Conference, Baltimore, November 7, 2012
  • 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?

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.


Are you thinking of selling your life insurance policy? Your first step should be

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