Policy Reviews and Second Opinions
You Own It. Do You Know What It Does?
Several people have reached out to me after they’ve already sat down with a financial planner or a broker. They just want to know what else is out there.
I’ll give you an opinion all you want, and you don’t have to do anything with it. Think of it as education: you’ll understand what you own, whether or not you ever change it.
What I Look At
I go through your life insurance policy or fixed annuity with you, in plain language. If it’s doing what you want, I’ll tell you to leave it be.
Replacing a policy or annuity can mean new surrender charges, new health questions or a lost benefit, so it’s worth knowing what a change would cost before you make one.
What This Review Doesn’t Cover
I review insurance contracts. I’m not licensed to give an opinion on variable annuities, variable life, stocks, bonds, mutual funds or a brokerage account, so I won’t.
Frequently Asked Questions
I already have an advisor or broker. Can I still talk to you?
Yes. Several people have reached out to me because they've already sat down with a financial planner or a broker and just want to know what else is out there. I'll give you an opinion on a life insurance policy or fixed annuity you own, in plain language. I can't give you an opinion on variable annuities, variable life, stocks, bonds or mutual funds. If what you have is working for you, I'll tell you to leave it be.
Learn about policy reviews →Will you try to talk me out of what I have?
No. If you like the stock market and you understand the risk you're taking, that's perfectly fine, and I'm not going to move you off of that. What I can do is show you what insurance products do and don't do, so you can decide whether any of your money belongs in one.