Fiduciary Review of Life Insurance and Annuities

Your life changes—and your insurance should keep up.

Life insurance and annuities can play an important role in your plan, but these products are often sold without a clear connection to your goals. Over time, we often find that policies no longer match a client’s current needs—or weren’t the right fit from the start.

And just like technology, insurance products evolve. Policies issued even 10 years ago can carry higher internal costs or fewer features compared to what’s available today.

That’s where we come in.

Whether you’re considering new coverage or reviewing what you already have, we take a planning-first approach. We start by understanding your goals, then determine how much coverage you need, for how long, and which type of product fits best.

From there, we benchmark a wide range of policies—including both commission-free and commission-based options—to help you find the right balance of cost and value.

While traditional policies have often come with high internal costs due to commissions, newer commission-free options may offer better pricing—if they fit your situation. We review both sides to make sure you’re getting the most efficient solution, no matter the product type.

Have questions about your current policy—or want to explore your options?
Start the conversation.