Trust center
How we're compensated
What pays for this, where the conflicts are, and when you'll be told.
Requires final business & legal review
This page carries concise framework copy only. Final wording, jurisdictional scope and any statements about licensing or compensation must be confirmed by the business and reviewed by counsel before publication.
The principle
Compensation is disclosed at the point a recommendation is made, not buried in a footer. Where a recommended course of action would pay us and an alternative would not, the page says so.
Sources of compensation
The specific arrangements in force — commissions, fees, referral relationships and their payers — must be confirmed by the business and reviewed by counsel before this section publishes. Nothing is stated here that has not been verified.
Admin input required
- [Commission arrangements and paying entities]
- [Any flat or hourly advisory fees]
- [Referral or brokerage relationships, including life settlement brokers]
- [Any carrier appointments held]
What we do not do
- We do not sell or resell contact details as leads
- We do not accept payment to rank, favour or omit a carrier
- Editorial review is independent of any compensation arrangement
Conflicts of interest
Several decisions covered here — converting, exchanging, replacing, selling or surrendering a policy — have materially different compensation outcomes. Where that is true, the page discloses it alongside the analysis so the conflict is visible when the decision is being made.
Questions about compensation
You can ask what a specific recommendation would pay, and how the alternatives compare, before acting on anything.
Admin input required
- [Contact channel for compensation questions]