Insurance Review
Independent Insurance Review
Independent insurance review for life, disability, long-term care, and umbrella coverage. Compound Advisory does not sell insurance — we review the policies you already own and tell you what fits, what does not, and where the gaps are.
Most households own insurance they bought years ago, under different circumstances, often through a relationship that earned a commission. The policy may still be the right fit. It may also have outlived its purpose, be priced uncompetitively, or quietly underwrite a risk that has already passed.
Our review is independent. We do not sell policies. We do not earn commissions. We do not have a preferred carrier. If you need more coverage, we will tell you. If you are overpaying for coverage you no longer need, we will tell you that too.
Insurance is one of the few household expenses where the right answer can be more coverage, less coverage, or different coverage entirely. The decision depends almost entirely on the underlying financial plan. A retiree with $5M in liquid assets and grown children does not need the term life policy that made sense at 35. A 50-year-old business owner with concentrated equity and young children may need substantially more disability and life coverage than the generic recommendation suggests. The numbers tell us which it is.
What We Review
- Term and permanent life insurance — purpose, pricing, and current need
- Long-term care insurance and hybrid LTC/life policies
- Disability income coverage during peak earning years
- Personal umbrella liability coverage
- Annuity contracts — surrender schedules, riders, and economic fit
Long-Term Care Specifically
Long-term care is the line item most retirement plans understate. A long-term care event in the household can run $8,000 to $15,000 per month and last several years. For most $1M-$5M households, the right answer is not stand-alone LTC insurance — a product line with a difficult history of premium increases. It is a coordinated self-insurance strategy. Dedicated reserves. Hybrid life-LTC policies where they pencil out. An LTC event modeled explicitly inside the retirement income plan.
We help households decide which approach fits. The answer is rarely the one being marketed.
Annuity Contract Review
If you already own an annuity — variable, indexed, or fixed — we will read the contract, decode the surrender schedule, value the riders, and tell you what the policy is actually worth versus what the marketing said. Sometimes the right move is to keep it. Sometimes it is a 1035 exchange into a simpler, lower-cost contract. Sometimes the surrender is worth eating. The math is rarely obvious. The salesperson who sold the policy is rarely the right person to ask.
Related Reading
Frequently Asked Questions
Do you sell insurance?
No. Compound Advisory does not sell life insurance, annuities, long-term care policies, or any other insurance product. We review what you own and coordinate any new coverage you decide to pursue with an independent broker.
Do I still need life insurance in retirement?
Sometimes. The most common legitimate uses are estate liquidity, charitable planning, and survivor income protection for an under-60 spouse. Many retirees own policies that no longer serve a purpose — keeping them is a cash-flow drag, replacing them is rarely necessary.