The insurance world is plagued by conflicts of interest, and consumers and their advisors desperately need an advocate that is a true fiduciary. I am an Actuary and a Consumer Advocate (not an insurance agent). who helps high-net-worth individuals with $100,000 or more invested in cash value life insurance or annuities to maximize the value of their policies. High-net-worth individuals and their advisors hire me to help determine: Which policies to keep, replace, modify, sell, or surrender If insurance that is no longer needed should be continued, and in what capacity How to avoid common problems through proper policy design and policy management How to maximize long-term policy value (instead of agent commissions) What to do with a policy with substantial embedded gains or losses How t...