As fee-only insurance consultants, Life Insurance Advisors, Inc. overcomes the problems of typical life insurance sales practices by adhering to the following core principles in dealing with our clients:

Full Disclosure:  We assure that all agent commissions and other compensation are disclosed. We also fully explain the financial risks with any particular course of action and any potential conflicts of interest.

Independence and Objectivity:  Unlike agents and brokers who have a duty to the companies that license and pay them, we are free from obligations to anyone other than our clients.

Value Enhancement:  We recommend what we believe will provide the maximum returns from an investment in a life insurance policy with the least cost to the client, consistent with an acceptable level of risk. We seek to minimize the cost impact of commissions and other compensation. Wherever possible, we offer a significant savings and added value over policies purchased without fee-only advice. This is often accomplished by structuring policies in a way that substantially reduces sales commissions – frequently by 80% or more – and greatly increases policy rates of return.

Access to all Companies and Products:  We help clients search out and consider all of the best product and company options that might be appropriate, which, in some cases, are no-commission products.

Unbiased Reviews of Existing Insurance Policies:  Much of our work involves independent reviews of the performance of, and potential problems with, existing insurance policies. In these situations, an agent, even if still available and sufficiently competent, has no incentive to be helpful unless there is an opportunity to sell a new or replacement policy or to sell the existing policy in the secondary market.