Welcome to the web site of Life Insurance Advisors, Inc., a fee-only consulting firm.  This site aims to provide an educational resource for those wanting to make intelligent, money-saving decisions about new or existing life insurance policies and products and their applications.

The special advice and value provided here has drawn favorable attention from the major financial press, including The Wall Street Journal and The New York Times.

Life Insurance Advisors, Inc. offers a rare source of fee-only advice for consumers and their advisors about life insurance.  We are independent and receive no commissions from the sale of insurance.  Our services also include reviews of disability and long-term care insurance, annuities, and possible life settlements (the sale of existing life policies for more than their cash value).

For new insurance policies, we provide independent evaluations of proposals and projections, and we recommend the companies and products likely to offer the best value based on past performance. For new permanent life insurance, we oversee its purchase through agents in ways that can reduce commissions by 85% and increase the long-term returns from the insurance investment by 40% or more. 

We also review the performance of existing insurance policies.  Most of them are not performing nearly as well as the projections made when the policies were sold.  Many “permanent” insurance policies are on course to fall apart, without corrective action, before the death of the insured.

At a minimum, this site should give you new insight about life insurance companies and products and the questions that consumers and advisors should be asking about them.  We welcome your thoughts and comments as well as the possibility of serving you.

 

All content copyright © 2006 Life Insurance Advisors, Inc. All rights reserved.