How FindWholeLife Is Paid, and the Conflict That Creates

The short version

FindWholeLife is run by North Life Group LLC, an independent, licensed insurance agency. When someone buys a policy through the agency, the insurer pays the agency a commission. You pay the premium to the insurer and nothing to us. The pages on this site are free to read and are not paid for by any insurer.

Where the conflict is

A commission is earned only when a policy is placed, so an agency has a reason to favor buying over waiting, and replacing over keeping. On a whole life policy the commission also depends on how the premium is built, and a larger premium usually means a larger payment to the agency. That is a conflict whenever an agent suggests how much to put in or whether to move money from one policy to another.

How we handle it

Pages are written to be right whether or not you ever call. Many readers already own a policy, and keeping it is often the better answer.
Every figure carries its source and date, so you can check it without trusting us.
Calculators show the guaranteed figure apart from the dividend figure, so a projection never hides behind a promise.
On a call, you can ask the agent what the agency would earn on any policy discussed. The agent will tell you.
No insurer pays for placement, rankings or mentions on this site.

What we do not sell

We do not sell your answers or your number to other agents or lead buyers. We do not charge a fee for a policy review.

Ask an agent to show you the commission math

You answer four short questions. Your age, your state, what you want done and how to reach you.

A licensed agent calls you. From an independent agency that compares more than one insurer.

You see the columns side by side. Guaranteed values next to dividend values, and you decide. Nothing is bought on the call unless you choose it.