John NguyenJohn Nguyen has been a licensed insurance and financial advisor since 2005. In 2011, he founded LifeInsuranceReview.com (LIR) Insurance Solutions agency, inspired by an eye-opening experience after handling his first death claim. He realized that theclient he sold a policy to could have been better served with products and planning strategies that were unavailable to him because the financial services company he worked for had limited his options.John holds one of the most challenging licenses in the industry: Life Insurance Analyst in the state of California, a credential held by fewer than 1% of life insurance professionals since its inception in 1941. He is also an Enrolled Agent (EA) authorized by the IRS, as well as a Chartered Life Underwriter (CLU(R)) and Chartered Financial Consultant (ChFC(R)).As Founder and Chief Life Insurance Analyst, John and his team at LIR serve as an independent and trusted resource for CPAs, estate planning attorneys, fee-only financial advisors, and other professionals who rely on LIR to protect their clients from being sold life insurance products that are not in their best interest.LifeInsuranceReview.com is an independent firm advocating for the consumer, specializing in thorough and unbiased life insurance policy reviews. Since 2011, the LIR team has reviewed thousands of policies using a proprietary 28-point checklist, uncovering opportunities for improvement in more than 8 out of 10 cases. The reality is that the life insurance industry operates without a fiduciary standard, meaning agents and brokers have no legal obligation to act in the client's best interest. The only significant consumer protection law is the Free Look Period, which allows a policyholder to cancel for a full refund within a limited timeframe, intended to encourage thorough review, yet often overlooked and rarely brought up by most agents, brokers, and financial advisors. Read More Read Less