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Life Insurance Policy Analysis & Research for as little as $125 per Policy

TheInsuranceAdvisor.com (TIA) is the only online, objective, rules-based resource for researching all types of permanent life insurance products.  TIA does not sell insurance, but instead provides the information needed to make more informed purchase decisions, and to better manage existing portfolios of life insurance policies. 

Because most permanent life insurance policies are no longer guaranteed, the “buy-and-hold-in-the-bottom-drawer” approach is no longer prudent, and can even result in coverage lapsing without value even when all planned premiums are paid.  In addition, declining interest crediting rates, increased market volatility, longer life expectancies, improving claims experience and rising risk of litigation against fiduciaries all increase both professional responsibility/liability involving life insurance products and the need for researched advice. 

Fortunately, managing a life insurance portfolio is little different than managing an investment portfolio.  In both cases, you have to measure that which is to be managed.  Insurance portfolio management simply involves more cost‑factors to be measured and managed. 

For instance, in addition to the Fund Management Expenses (FMEs) found in both investment and insurance products, insurance products also assess Cost of Insurance (COI) charges to pay death claims, Premium Loads for State and Federal Taxes and Sales and Service costs, Fixed Policy Administration Expenses for insurance company overhead, and Cash‑Value‑Based “Wrap Fees”.  Proper insurance portfolio management, therefore, requires each of these cost factors to be measured and managed. 

The Confidential Policy Evaluator (CPE) is the only such research tool available to measure and manage the performance of permanent life insurance products, and is so unique it has been patented.  In addition to using CPE to evaluate and rate either existing or newly proposed policies using an accepted 5-Star TIA Rating, you can also use our Policy Pricing Calculator to compute benchmark COI charges, Premium Loads, Fixed Policy Administration Expenses, and Cash‑Value‑Based “Wrap Fees” for comparison to COIs, Premium Loads, Administration Expenses, and “Wrap Fees” found in actual inforce or proposed policies. 

And in either case, you can call on a fully-licensed Insurance Banking™ Center near you who has access to both CPE and the most up to date insurance company data, and can therefore assist in identifying “Best‑of‑Breed” products from among all 503 insurers in the TIA database. 

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