An initial review for an existing disability insurance policy or proposal performed by Life Insurance Advisors, Inc., Fee-Only Insurance Consultants, provides an inexpensive and objective first or second opinion about your current disability coverage.

The initial review is a very affordable, efficient service to determine whether the policy you own offers quality coverage at a competitive price or whether you could likely do better with a different company and/or policy, or with different policy features/riders on your existing policy. We can also help determine whether you might need and qualify for additional coverage and, if so, whether it should be with the same company and contractual features as your existing policy.

An initial review for an existing disability insurance policy is based on information and answers that the client provides in a questionnaire. In addition to obtaining basic information about the insured, the questionnaire asks for information about the existing policy (including a copy of the existing policy and any available projections for its performance) and its purpose sufficient for us to provide an objective opinion (“objective” because we do not sell insurance) about the best alternatives to pursue.

When you fill out the questionnaire, submit it, and pay the fee, we will respond with our written review of the steps you should follow in seeking what will most likely provide the best disability insurance value.