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Why Use Certified Financial Planners and Other Agents with Advanced Degrees?

Find a Certified Financial Planner or Financial Professional for Life Insurance Planning

One of the distinguishing characteristics of Advisors Insurance Direct is our use of Certified Financial Planners and other financial professionals with advanced degrees. Our team holds designations as CLU®’s, ChFC®’s and CFP®’s, which means that they can provide substantive support to our clients who may not be familiar with all the intricacies of life insurance planning and underwriting. The use of a CLU®, ChFC®, and CFP® is recommended because it means that you are getting top advice from a highly experienced individual. It also reduces the risk of running into missteps along the way.

At Advisors Insurance Direct, we take pride in our ability to provide you with the capacity to offer our advice from a Certified Financial Planner, Chartered Life Underwriter®, or Chartered Financial Consultant®, rather than using “call center” agents that may not necessarily have the same level of expertise. There is no additional cost for using our specialized agents, giving you tremendous value for your money. Get in touch with us today online or by phone to speak with a Certified Financial Planner or other degreed advisor and to get your personal term life insurance quote. In addition, all clients of Advisors Insurance Direct are entitled to a complimentary financial review, so please don’t hesitate to inquire through your advisor.

Avoid Life Insurance Mistakes with a Certified Financial Planner or Other Advanced Degreed Financial Professional

When you work with Advisors Insurance Direct, you do not have to sacrifice quality in exchange for convenience. We offer convenient online life insurance quotes along with the expertise from advanced degreed financial professionals to answer all of your questions and guide you in the right direction. So what is the difference between simply being licensed and being a degreed Certified Financial Planner, Chartered Life Underwriter®, or Chartered Financial Consultant®? The licensing process required to sell life insurance, usually involves little more than a few weeks of study and a basic state exam. However, our agents each hold a CFP®, ChFC®, or CLU® certification, meaning they will have spent between 2 and 3 years completing various college-level courses along with in the field experience.

As a result of this training, your advisor will have detailed knowledge of insurance planning, estate and retirement issues, financial reviews, taxation, business planning, and risk management. We are not just messengers passing on information about great deals. Instead, we are real professionals that dig deeper into the policies being offered in order to maximize the benefits for you. This may involve:

  • Checking whether your policy is for business or personal use to help you determine if your policy is owned by the right individual or entity
  • Offer to speak or even meet with any of your other advisors such as your CPA or attorney
  • Negotiating the best ┬áprice based on your circumstances
  • Discussing alternatives and reviewing options with you so that we can make appropriate recommendations
  • Verifying details with the service provider during the application process

How Advanced Degreed Financial Professionals Ensure Your Interests are Protected

Throughout the planning and application process, our dedicated agents will help prevent you from making crucial life insurance mistakes. For example, while death benefits are typically tax-free upon payment, there is a risk of taxation as a result of mistakes with policy ownership and/or premium payments. In these cases, you could find yourself with a tax burden that could be as high as 40% - 50% of the final benefit.

In other circumstances, mistakes made during the life insurance application process could result in your ultimate death proceeds being denied payment. Our Certified Financial Planners and other degreed experts will thoroughly review the application process and policy purpose so that we do not let this happen.

Contact a Certified Financial Professional for Life Insurance Information

Contact a Certified Financial Planner or Other Degreed Financial Professional to Review Your Life Insurance Needs

If you want to avoid the possibility of crucial mistakes being made during the life insurance application process, then you should contact one of our Certified Financial Planners, Chartered Life Underwriters®, or Chartered Financial Consultants® today. We will assess your circumstances and point you towards the best solution for your particular needs. Contact us today to talk with an agent and to get a personal term life insurance quote.

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Our Promise

As financial professionals, we will never pressure you to do anything or use silly sales tactics. We are simply here to answer your questions, provide professional advice and walk you through the process of buying life insurance should you decide to move forward.

We represent these insurance carriers and many more:

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