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THEInsuranceAdvisor.COM

TheInsuranceAdvisor.com (TIA) is the most accepted form of life insurance products research available in the financial services industry.

Only THEInsuranceAdvisor.COM publishes patented pricing and performance research
Only THEInsuranceAdvisor.COM is accepted by the AICPA for independent client representation.
Only THEInsuranceAdvisor.COM is endorsed by the New York Bankers Association (NYBA) for Uniform Prudent Investor Act (UPIA) compliance.
Only THEInsuranceAdvisor.COM research reports are compliant with the Financial Industry Regulatory Authority (FINRA) for use with all types of life insurance products
Only THEInsuranceAdvisor.COM gives Irrevocable Life Insurance (ILIT) Trustees the research needed to justify Trust-Owned Life Insurance (TOLI) expenses for UPIA Section 7 compliance.
Only THEInsuranceAdvisor.COM gives ILIT Trustees the research needed to set reasonable performance expectations for invested assets underlying TOLI cash values for UPIA Section 2 compliance.
Only THEInsuranceAdvisor.COM supports the ILIT Trustee’s duty to investigate the suitability of TOLI holdings (whereas other policy review offerings actually disclaim suitability).
Only THEInsuranceAdvisor.COM gives CFP®s the research needed to measure up to the new fiduciary standard of care (that went into effect January 2009).
Only THEInsuranceAdvisor.COM research reveals when proposed rates and terms are actually among best-available rates and terms (BART).
Only THEInsuranceAdvisor.COM benchmarks are derived from the industry’s largest and most up-to-date database of pricing and performance information for life insurance products.

TIA's mission is to provide financial advisors with the information necessary to make informed and prudent decisions in the management of life insurance policies and portfolios for their clients through a variety of Internet-based, software and in-print products.

Use our Confidential Policy Evaluator (CPE) to determine the suitability of any given permanent life insurance product based on the 5 factors of overall suitability as they relate to both industry benchmarks and peer-group products.
Use our Policy Pricing Calculator to measure the general pricing competitiveness of a sales proposal or an existing permanent life insurance product and/or the impact of various policy earnings assumptions on overall policy performance.

We're committed to being the most complete online resource for reliable information about insurance products, pricing, and value. If you don't find what you're looking for, Contact Us and tell us what you need.

RECENT E-NEWS ISSUES

May 2009 Rating Downgrades/Watch-List. Click Here

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Declare Your Independence. Click Here

Our offices will be closed Friday, July 3rd in observance of the 4th of July.

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Neglected Wealth Presentation at MDRT. Click Here

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Insurers Increasing Pricing and/or Withdrawing their Lowest Cost Products. Click Here

©THEInsuranceAdvisor.COM, Inc. (TIA). All rights reserved. 1301 West Fletcher Ave., Tampa, FL 33612. TIA is a provider of insurance product research, and does not sell or otherwise distribute any financial products, and does not endorse any broker/dealer, financial planner, registered representative, insurance professional, insurance product, or insurance company, including any that may be mentioned herein. The information, data, analysis and opinions contained herein include the confidential, proprietary, patented (U.S. Patent #6,456,979) and/or copyrighted (Insurance Banking® is a registered trademark of THEInsuranceAdvisor.COM Holdings, Inc) material of TIA and may not be copied or redistributed. Much of TIA intellectual property has been created and/or invented by TIA's founder - Barry D. Flagg, CFP®, CLU, ChFC - often employing generally-accepted actuarial-principles and mathematical-algorithms, and a consistent and objective rules set, which like all ratings systems rely on certain judgmental techniques, and which are fully disclosed, and with which certain insurance professionals may disagree. Because any evaluation of a variable life product presented by any registered representative pursuant to the purchase of such product presents the potential for a conflict of interest, it is important to understand the methodology behind any such evaluation and the relationship between the evaluator and the registered representative. To the extent any TIA material is used as supplemental sales literature for a variable product, it must be accompanied by the name of the registered representative; the name of the broker/dealer through which the policy is being offered; as well as a prospectus, disclosure statement, complete and compliant illustration of hypothetical policy values, and any other supplemental materials necessary to provide a fair and balanced presentation of all policy features. Nothing contained in this e-newsletter/web page is to be considered as a rendering of legal, tax or investment advice for specific cases, and readers/visitors are responsible for obtaining such advice from their own legal, tax and investment counsel. This e-newsletter/web page is intended for educational and informational purposes only. Accordingly, no representations or warranties are made by anyone, including, without limitation, THEInsuranceAdvisor.COM (TIA) and/or any TIA Insurance Banking Centers®, as to the validity or effectiveness of the legal or tax conclusions, analysis, opinions, and planning ideas expressed in this e-newsletter. Any and all liability whatsoever that may arise in connection with anything contained herein is hereby disclaimed.