Looking for clarity before you commit to a complex whole life or universal life insurance plan? Or wondering whether Mom or Dad still needs that expensive life insurance policy that was purchased all those years ago?
You might benefit from a chat with a fee-only insurance consultant.
These advisers claim to offer something they say is rare in the insurance world: objective advice about complicated life insurance policies from knowledgeable specialists who have absolutely no financial stake in your decision, because they're not dependent on sales commissions.
"The customer doesn't have to worry that we're setting them up to sell them something," says Scott Witt, a fee-only insurance adviser based in New Berlin, Wis. "We're able to come up with much better solutions because we can take the product off the table and just talk at a high level about their needs and objectives before we discuss solutions."

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