How To Read A Life Insurance Policy (Avoid Scams)
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How To Read A Life Insurance Policy (Avoid Scams)
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A lot of the “life insurance is a scam” conversation comes down to one thing: poor policy design and a lack of understanding. This video walks through how to actually read a policy. It’s the same framework I use when reviewing illustrations with clients so they understand exactly what they are buying and how the system works.
0:00 Addressing Scam Culture
0:40 Guaranteed Portion
2:43 Non-Guaranteed (Dividends)
4:20 What If I Don't Want to Pay?
5:13 How Much Should I Put In?
5:54 What Do I Do With My Policy?
8:45 Onboarding Process & System
9:34 Medical Underwriting (Getting Approved)
10:35 Proper Design & Warnings
Most of the scam culture around insurance exists because people are sold predatory designs or never shown how to evaluate a policy themselves. The goal of this breakdown is simple: give you the knowledge to stay protected and make informed decisions.
Education only. Not financial advice.