Life Insurance

Life Insurance is perhaps one of the remaining great mysteries of the world. Lifetime Planning Concepts removes the veils to the unknown and serves as your "Second Opinion" independent fee only advisor. We sell no insurance. We receive no referral fees. As with all of our services, you pay us directly and none of your payments are predicated on the sale or purchase of any financial product. Our Fee-Only advisory services allow us to remain unbaised as we find solutions to your needs.
Life insurance is "a pick up the hood and see what's inside" type product. Often it is sold to do things it simply cannot do with reasonable assumptions. As a result, failure rates and policy lapses occur all too often.
Our process is a five- step due diligence approach taken from our highly acclaimed seminar "Life Insurance Myths - Sex, Lies and Duct Tape." You receive a written report of our conclusions to your policy proposals. We consider your needs, the financial strength of the Insurance company, the appropriate type of policy and assess the validity of the assumptions used in the Insurance Illustration.
We apply "Real World" portfolio assumptions to the cash values required to make the policy perform as expected. When reviewing life insurance assumptions we applied the same concepts we use in "Profile Builder"TM, the variable alternatives inside our "Financial Freedom Solutions" software.
Our innovative approach considers historical variablity of returns and takes another look at one of the hottest life insurance products of the 1990's, Variable Life (VL) or Variable Universal Life (VUL).
Our goal is to educate and thus allow more reasoned decisions, tempered by a full knowledge of facts and risks assumed. These products are "priced to the market", but the sales force has a truly poor and narrow understanding of what that means. Our analysis removes the mysteries and assesses the risks in a meaningful and understandable way.