Unknown to Recognized to Preferred to Demanded!!!

In September 2002, the U.S. Patent Office declared that THEInsuranceAdvisor.COM research had never been published before and was totally new.  At the risk of stating the obvious, this means that THEInsuranceAdvisor.COM research was simply unknown before 2003.  In other words, if you or your clients had difficulty determining the suitability of a given policy holding, it was not your fault because it was simply not practical to do empirical research on life insurance products like is customarily done for investment products. 

Since 2002, THEInsuranceAdvisor.COM research and principals have been recognized at the national conferences of HSBC Bank/WTAS, Grant Thornton, and National Financial Partners (NFP), on a national radio show for John Hancock, cited in A Practical Guide To Drafting Irrevocable Life Insurance Trusts, and published/featured in ABA Trusts & Investments, AICPA Wealth Management Insider, National Underwriter, Financial Advisor, The Heckerling Institute on Estate Planning, @ Regulatory from Deloitte, Agent’s Sales Journal, InvestmentAdvisor.com, Bank Investment Consultant and Empire magazines. 

More recently, THEInsuranceAdvisor.COM has been accepted by the AICPA for independent client representation, endorsed by the New York Bankers Association (NYBA) for compliance with the Uniform Prudent Investor Act (UPIA), and compliant with FINRA (the Financial Industry Regulatory Authority – i.e., the chief regulator of the financial services industry) regulations for fair and adequate disclosure.  In other words, THEInsuranceAdvisor.COM has become the preferred source of research for the pricing, performance and suitable of life insurance products.  

Now it is up to you.  There is more than $3 Trillion of assets in life insurance policy cash values, and few if any clients or advisors know what is being charged for cost of insurance charges (COIs), fixed administrative expenses (FAEs), cash value based “wrap-fees” (e.g., VUL M&Es) and premium loads, or what they are actually getting in the way of investment performance.  In fact, life insurance is almost certainly the largest asset on a client’s balance sheet about which so little is known about what they are being charged and/or what they are getting in investment performance. 

Demand THEInsuranceAdvisor.COM for your clients!!!  Use a Confidential Policy Evaluator (CPE) Research Report   to determine the appropriateness of pricing, the reasonableness of performance expectations for invested assets, underlying policy cash values, and overall suitability for your client's policies based on the 5 major factors of suitability.  It is an easy-to-use tool that goes well beyond simply comparing illustrations and company ratings. With CPE, you know how the product under evaluation measures up against the benchmarks for ALL products in its peer group, and why.