Be careful abut buying life insurance from estate planners. It is their job to sell life insurance. They usually sell other financial products as well; various types of annuities and mutual funds. But their options are limited and yours become restricted too.
Planners may know their products, but they may present a conflict of interest. If they are tied to one life insurance company, you are not shopping prices and terms.
When they are selling mutual funds, you are probably not getting the lowest cost selections. The latter have to be higher cost to warrant compensation for salesmen. Lower cost mutual funds are to your benefit, no matter what the sales pitch may be on past or future “performance.”
If you need substantial estate advice, see a non-salesman accountant or lawyer, specializing in the field. (See the Earl J. Weinreb NewsHole® comments and @BusinessNewshole tweets.)
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