Glenn S. Daily is one of the few fee-only life insurance advisors in the U.S. He provides consulting services to individuals, businesses, trustees and other professionals.

With actuary Douglas J. Bennett, Glenn is the co-founder of TellUsTheOdds.com, a resource for helping people make decisions about long-term care insurance and life settlements.

If you’re looking for something to talk about, Glenn is always eager to discuss these questions:

How can curated product platforms become a practical alternative to the retail life insurance market?

What is the best process for selling a life insurance policy in the life settlement market?

What are the best ways to pay for long-term care expenses?

Curated product platforms

Life insurance due diligence lags far behind due diligence for other types of financial products, such as mutual funds. It’s easy to lay out a process that would identify the risks and opportunities of life insurance policies, but that process requires more information than you are likely to get for any product in the retail marketplace.

The obvious solution is to focus on a small number of competitive products for specific tasks, and that is the goal of curated product platforms. If possible, the products are developed for the platform, but carefully selected retail products can also be used.

At the same time, the due diligence process can be enhanced by a clear analytical framework and ongoing research.

Life settlements

Selling your policy is sometimes your best option, but many people incur high transaction costs that leave them with less money than they could easily get.

TellUsTheOdds.com explains what you need to know to avoid the pitfalls in the life settlement market. The advanced valuation tool will show you how to put a price on your policy and how to decide if it makes sense to sell. If you do decide to sell, our process will increase your chances of getting a high net offer, after transaction costs.

Long-term care financing

There are many ways to pay for long-term care expenses, including standalone long-term care insurance, hybrid life/annuity/LTC policies, chronic illness riders and self-funding. TellUsTheOdds.com blends economics and actuarial science to help you understand all of these choices. If you already own a standalone long-term care insurance policy, the detailed report will help you decide what to do with your policy.