What we check
- The insurance company's financial strength ratings
- The real caps, participation rates, and fees, translated to plain language
- Whether the riders you are being charged for actually fit your plan
- The surrender schedule and what it means for your access to money
- The tax consequences, reviewed through a retired CPA's eyes
- Whether a stronger option exists for the same goal
Our team, including a retired CPA, personally handles every second opinion review. Sometimes the answer is that the product you were shown is a good one, and we will tell you that. Sometimes it is not, and we will show you exactly why.