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

The initial review is a very affordable, efficient service to determine whether the policy under consideration, or that which has been proposed, offers a competitive value and whether you could likely do better with a different company and/or policy. This service is equally useful in the evaluation of either term or permanent life insurance.

If no specific policy is already under consideration, we will identify the criteria to use in choosing a policy that will most likely offer the best value, based on the client’s situation and objectives, and fully explain how we can help in this regard.

In identifying the greatest potential insurance value, we review of all companies and types of policies that might offer the best alternatives, including those sold without a commission and others which offer the flexibility to reduce commissions to a very low level. These are options you will not hear about from an insurance agent or broker. You can view sample initial reviews of existing insurance policies, by clicking on the items below.

An initial review for a new life insurance policy is based on information and answers that the client (or client’s advisor) provides in a questionnaire. In addition to obtaining contact information for the person requesting the policy review, the questionnaire asks for basic information about the insured, the policy proposal (if any so far, including any available policy illustration), and the purpose of the policy 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.

We have separate questionnaires for evaluating new term insurance and permanent insurance. If you are undecided between these two basic alternatives, we suggest completing the permanent insurance questionnaire, or you might complete both of them.

When you fill out the questionnaire, submit it, and pay the fee of $50 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 life insurance value. To begin, click on the questionnaire.