Life Insurance Review Service
Is Your Current Life Insurance Policy Still the Best Fit for Your Future?
Our Experience-led audit dissects the “black box” of policy illustrations to ensure your cash accumulation strategy is optimized for the current economic climate and more.
The Danger of the "In-Force" Drift
A policy illustration from years ago is just a guess. An In-Force Illustration is the reality. We help you bridge the gap between what you were promised and how your policy is actually performing.
- Benchmark Your Returns: How does your Cash Value and Death Benefit IRR stack up against today’s market leaders?
- Modernized Benefits: Are you missing out on living benefits or long-term care riders that didn’t exist when you first signed your contract?
- Efficiency Audit: Could you be getting superior coverage at a lower cost, or significantly more benefit for the same premium?
- The “Lapse” Warning: We identify if your policy is at risk of “imploding” due to rising internal costs or underperforming interest credits.
Optimize Your Policy as a Wealth Tool
Tax-Free Growth: We provide a deep dive into dividend credits, index caps, and participation rates to ensure your cash is compounding efficiently.
Fee Transparency: We pull back the curtain on back-testing, mortality charges, and administrative fees that are often hidden in annual statements.
Strategic Integration: We provide clear answers on exactly how your policy fits into your broader financial, tax, and estate plan.
Why Choose an Experience led Review?
| What We Review | The Impact on You |
|---|---|
| Historical vs. Current Performance | Know if your policy is on track or falling behind. |
| Market Benchmarking | Ensure you have the best pricing and options available today. |
| General Product Knowledge | Verify that your no-lapse guarantees and riders are still active. |
| Comprehensive Strategy | Get an objective second opinion from consultants and other experts. |
Stop Guessing. Start Optimizing
Life insurance relies on financial modeling, projections, and assumptions. Our uses our proprietor 28-pt checklist to give you the most accurate insight possible into your policy’s future
Your financial security is too important to leave to chance. Let us empower you take control of your existing coverage.
The Systemic Problems
TOO SALES FOCUSED
The industry relies heavily on agents and advisors selling through personal networks.
MORE BUYER'S REMORSE
Policies are often sold rather than independently researched by consumers.
FEW AGENTS WITH TECHNICAL KNOWLEDGE
Technical knowledge and planning experience are often lacking.
CLIENT UNHAPPINESS
Due to lack of transparency, clarity, and fiduciary responsibility.
NEED FOR INDEPENDENT REVIEW
Consumers need objective review services.
OVERLOOKING THE FREE-LOOK PERIOD
Consumers often miss the opportunity to verify or cancel policies.
CONSUMERS DON'T FULLY UNDERSTAND POLICIES
Most people rarely review or understand their coverage.
We Solve Them
As independent fiduciaries, we empower consumers to explore, compare, and verify the best solutions.
Free Consultation
Discuss your case, set expectations, and answer questions.
Follow-up Questionnaire & Work Starts
*Professional fee is charged only once clear value is established. Our goal is for you to benefit from the service.
Delivery & Presentation
Receive analysis, comparisons, planning options, and tailored recommendations.
The Reliance Insurance Difference
| Feature | Reliance Insurance | Life Insurance Agents | Life Insurance Brokers | Financial Advisors² | Other Financial Professionals |
|---|---|---|---|---|---|
| Life Insurance Analyst Licensed | ✔ | ✖ | ✖ | ✖ | ✖ |
| Life Insurance Licensed | ✔ | ✔ | ✔ | ✔ | ? |
| Sales Focus | Review Focus | ✔ | ✔ | Mostly | ? |
| Work on Commissions | Fee-Based | ✔ | ✔ | Mostly | ? |
| Have Financial Incentives for Sales Production (Promotions, Bonuses, Trips, Prizes) | No Sales Incentives | ✔ | ✔ | Mostly | ? |
| Fiduciary “must act in your best interest.” | ✔ | ✖ | ✖ | Mostly | Mostly |
| Charge a Fee for Service | ✔ | ✖ | ✖ | Mostly | Mostly |
| Life Insurance Products (Term, Whole Life, UL, IUL, GUL, VUL), Annuities, Disability, LTC | Full | Limited w/ Restrictions¹ | More w/ Limits³ | Limited³ | Limited³ |
| Life Insurance Company Offerings of 25+ | Full | Limited w/ Restrictions | More w/ Limits³ | Limited³ | Limited³ |
| Variable Life Insurance Options (latest guarantees & flexibility) | ✔ | Mostly ✖ | Mostly ✖ | If FINRA Registered | Mostly ✖ |
| Exclusively Dedicated to Life Insurance Review Services⁴ | ✔ | ✖ | ✖ | ✖ | ✖ |
| 10+ Years of Life Insurance Review Services | ✔ | ? | ? | ? | ? |
| Proven TEAM Approach to Independent Life Insurance Reviews | ✔ | ✖ | ✖ | ✖ | ✖ |
| Proven Expertise in Tax Planning | ✔ | ✖ | ✖ | ? | ? |
| Proven Expertise in Estate Planning | ✔ | ✖ | ✖ | ? | ? |
| Proven Expertise in Financial Planning | ✔ | ✖ | ✖ | ? | ? |
| Proven Expertise in Investment Planning | ✔ | ✖ | ✖ | ? | ? |
| Expert Background in Accounting, Finance & Business | ✔ | ✖ | ✖ | ? | ? |
1. Sells also annuities, health insurance, disability, long-term care, final expense, and other life insurance products.
2. The term “financial advisor” covers professionals from insurance sales to investment management.
3. Still limited because most work through a marketing organization.
4. Review services include analysis, comparisons, planning options, and recommendations.
REVIEWED LIFE INSURANCE POLICIES FROM
Contact Information
Address Details
- 2 Charles St., Suite 3A Providence, RI 02903
