As Simple as Possible

An investment portfolio can be changed any day. Life insurance has limited on-ramps and off-ramps, so the mix has to be planned from the start and steered along the way.

What would happen if you started the product discussion with cash-like, bond-like, and equity-like comparisons? Not with a product or an illustration, but with three kinds of permanent life insurance side by side, and one question about each: what does it guarantee?

We did. In our Trusted Advisor Network (TAN), independent life insurance sales professionals, the one-page summary built on these three kinds, the DPA™, the Diversified Portfolio Approach, is agreed as a product disclosure. Here it is for one hypothetical client.