A Clear Signal through the Noise

An international lecturer and the author¹ of over 400 scientific, professional articles and books wrote that “research is like trying to detect a homing beacon (i.e., the signal) in dense fog (i.e., the noise). Obviously, the larger the signal-to-noise ratio, the greater the likelihood that the research will succeed. Thus, the successful researcher is the one who can increase the sensitivity of his or her tools for picking up the signal, while simultaneously dampening down the interfering background noise.”

With at least $3 Trillion in life insurance policy cash values from which few know what is actually being charged and/or what is actually being earned from invested assets underlying cash value in the way of investment performance, there is a clear and desperate need for more information (signal) about the suitability and proper management of life insurance policy holdings and less noise (market hyperbole). 

Policy Review systems/services that are offered by manufacturers, distributors, agents and/or brokers involve comparisons of illustrations of hypothetical policy values for some limited number of products,  are just more noise.  Hypothetical illustrations are a comingling of undisclosed policy charges and unsubstantiated performance assumptions, and do not separately measure policy expenses (as required under Section 7 of the Prudent Investor Act) separate from the reasonableness of performance expectations (as required under Section 2 of the Prudent Investor Act).  Hypothetical illustrations cannot be relied on for determining policy suitability.

Break thru the dense fog, and use THEInsuranceAdvisor.COM research to get a clear signal for policy suitability. Only THEInsuranceAdvisor.COM 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 leading regulatory agency 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.

[1] http://www.preskorn.com/columns/9903.html