An initial review for a new annuity policy or proposal performed by Life Insurance Advisors, Inc., Fee-Only Insurance Consultants, provides an inexpensive and objective first or second opinion about such an investment that you may be considering.

The initial review is a very affordable, efficient means of determining whether the policy under consideration, or that which has been proposed, offers a sound and efficient investment or whether you could likely do better with a different company and/or annuity policy or with different policy features/riders or, perhaps, by making a similar investment without doing so with an annuity at all.

If no specific policy is already under consideration, we will identify the criteria to use in deciding whether to invest in an annuity in the first place and, if you do choose an annuity, in determining the type of policy that will most likely offer the best value, based on the client’s situation and objectives and through minimizing policy and investment expenses.

An initial review for a new annuity is based on information and answers that the client provides in a questionnaire. The questionnaire asks about the policy proposal (if any so far, including any available policy illustration and prospectus in the case of a variable annuity) and the purpose of the annuity sufficient for us to provide an objective opinion (“objective” because we do not sell insurance) about the best alternatives to pursue.

We are pleased to offer this independent and objective service – and to do so for a bargain rate that makes it affordable for large numbers of individual consumers.

When you fill out the questionnaire, submit it, and pay the fee of $100 with a credit card, we will respond with our written review of the steps you should follow in seeking what will most likely provide the best options for you. The fee is slightly more expensive than for basic life insurance reviews because of the many variations in contractual provisions in annuities relating to multiple contractual charges and investment management expenses with a variable annuity and such policy features and riders as guarantees of death benefits, highest annual valuations, minimum income in the distribution phase and so forth.

We look forward to assisting you.