Welcome to tonysteuer.com. Thank you for coming to visit. The concept of this site and the life insurance evaluation service that is offered is:
“Does the thought of life insurance and planning your life leave you with a headache?” - And the answer for most people is YES.
Life insurance is has traditionally been treated as something that is bought and is put in a drawer. However, studies and experience have shown that many life insurance policies are ticking time bombs. Due to many factors, a large percentage of life insurance policies are not performing as expected by the policy owner and advisor and will terminate prior to the expected date or require a substantial increase in premium anywhere from doubling to quadrupling the initial premium (read “Why Would My Life Insurance Policy Under-Perform”)
This website is designed to provide information and resources on life insurance.
Learning about life insurance and the related areas are not something we usually learn in school. Some of this can be learned from reading books, talking to other people or how most of us do it - learning on the fly. Well, that’s what this site is about - it compiles a lot of information to help learn things on the fly. Life’s not always organized and definitely not cut and dried and neither is this site.
Whether you are a consumer, advisor, trustee or fiduciary who owns, manages, or is about to buy a life insurance policy, you’ll find information and resources to help you maintain, manage, or purchase a new life insurance policy and other component of your life.
As a licensed life insurance analyst in the State of California (less than 40 in the State), I offer consumers, advisors and attorneys life insurance consulting services, including comprehensive review, analysis and advice on a fee basis. Questions and Answers on Life Insurance is a great resource for individuals and advisors. Click here to read more.
Life Insurance is like a parachute, you may only need it once, but when you need it, you really need it and just as important your parachute should be packed correctly - the evaluation service makes sure your life insurance policy is “packed as it should be”.
Consulting services include: Life Insurance Policy Analysis and Consulting Services for individuals, business, advisors and other fiduciaries along with litigation consulting and providing content for media & continuing education. I am also available as a public speaker.
How Much is Too Much To Pay For Your Life Insurance? An exciting new feature is The Policy Pricing Calculator (powered by theinsuranceadvisor.com). This calculator allows you to calculate premiums based on benchmark expenses and a policy interest/earnings of your choosing. Life insurance premiums are based on the cost of insurance (COI) charges, fixed administration expenses (FAEs), cash value based "wrap fees" (e.g., M&Es), and premium loads charged by the insurer, and the policy interest/earnings credited to premiums paid in excess of these policy charges. Find out more about the calculator by clicking here. Visit the services page to order a Confidential Policy Evalation (CPE) report.
Is Your Life Insurance Policy a Ticking Time Bomb? Find Out Now!!! (Click to find out more about our customized life insurance evaluation service)
