Be an Innovator with THEInsuranceAdvisor.COM!!

Innovators are venturesome, educated and collect information from multiple sources. They are the early adopters and social leaders. Innovators do not invent new ideas; they find better ways of doing things. They are dynamic independent thinkers and surround themselves with the same and expect the same independent thinking from their peers. THEInsuranceAdvisor.COM was created by an innovator who has multigenerational experience in the life insurance industry, but became increasingly frustrated by not having an unbiased way of determining suitability in managing life insurance portfolios.

The frustration of this innovator is having the product, knowing the need that it fills and still people have not subscribed to THEInsuranceAdvisor.COM.  Rogers’ Diffusion of Innovation 4^th Edition demonstrates that even technological innovations that have been proven to have advantages are not always diffused and adopted.

“…Where did QWERTY come from? QWERTY was invented to SLOW DOWN Typists. In that day, …when two adjoining keys were struck in rapid succession, they jammed. QWERTY rearranged the keys …to minimize such jamming: “Anti-engineering” the arrangement to make the most commonly used letter sequences awkward, by making it difficult for a typist to operate the machine, and slowing down typing speed.

Typewriters became mechanically more efficient and the QWERTY keyboard design was no longer necessary to prevent key jamming. The Dvorak keyboard has the letters, A,O,E,U,I,D,H,T,N and S across the home row of the typewriter. Less frequently used letters were placed in the upper and lower row of keys… The newer arrangement requires less jumping back and forth from row to row with the QWERTY keyboard, a good typists fingertips travel more than 12 miles a day, jumping form row to row.

One might expect, on the basis of its overwhelming advantages, that the Dvorak keyboard would have completely replaced the inferior QWERTY keyboard. On the contrary, after more than 50 years, almost all typists are still using the inefficient QWERTY keyboard.”

In our last issue of THEInsuranceAdvisor.COM’s e-newletter, comparing hypothetical illustrations are “strictly prohibited” because they are deemed misleading by regulators. Just like the QWERTY keyboard example above, there was nothing invented prior to 2002 to find out the costs of a life insurance policy or to rate it against industry benchmarks using 5 factors of suitability. Comparing illustrations is awkward, time consuming and incomplete, just like QWERTY, but some practitioners are still using this antiquated process of trying to determine policy suitability.  

THEInsuranceAdvisor.COM has been accepted by leading accounting groups for independent client representation, endorsed by NY Bankers Association for UPIA Compliance and has been patented, twice. The CPE innovation has obvious and proven technological advantages and has endorsements by influential organizations, and Innovators and Early adopters have already discovered THEInsuranceAdvisor.COM and the value of CPE Research Reports.

Getting the E-Newsletter makes you part of the early adopters, but don’t wait to use this product. Run your first CPE Research Report now before you become a Laggard!

THEInsuranceAdvisor.COM research reports are the innovation that you need for use with all types of life insurance, and do include and consider underlying cost and performance disclosures. THEInsuranceAdvisor.COM research is derived from various independent sources to include thousands of actual insurance company pricing representations for hundreds of different products and actual performance data for invested assets underlying policy cash value, and reveals the overall suitability of a given life insurance product relative its peer-group and based on 5 of the major factors of suitability as to 1) financial strength and claims-paying ability, 2) actual cost-competitiveness (i.e., measured separately from performance assumptions), 3) pricing stability, 4) cash value liquidity, and 5) actual historical performance of invested assets underlying policy cash values. 

THEInsuranceAdvisor.COM provides the empirical pricing and performance research essential to any complete investigation of life insurance policy suitability (as defined by the regulators or the Prudent Investor Act) and which can then lead to independent and objective suitability determinations.  While due care is an emerging field, and while there is room for a difference of opinion in some areas, THEInsuranceAdvisor.COM goes well beyond overly-simplified comparisons of comingled and hypothetical policy values to better protect and/or compete against those misleading Policy Review systems or services. 

Use the Confidential Policy Evaluator (CPE) Research Reports to determine the appropriateness of pricing, the reasonableness of performance expectations for invested assets underlying policy cash values, and overall suitability for you(r clients) policies based on the 5 factors of suitability.  Click here and get up to 3 Confidential Policy Evaluator (CPE) research reports under our NO-RISK trial subscription.