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Once inaccessible to RIAs, the benefits of insurance are now available through DPL. Insurance solutions can be used for legacy planning, income replacement, or exchanging existing policies for their current cash value.

Commission-Free insurance for legacy, tax-efficiency and more.
Legacy Planning

Non-traditional investments designed for tax-efficient legacy wealth transfer.

Disability Income Insurance

Ensures a level of income if an individual is unable to work.

Life Settlements

Purchases policyowner's life insurance policy at current market value.

Real World Case Study: Buy-Sell Agreement

DPL Consultant Nicole Benz discusses how a commission-free solution helped a DPL member solve a client need.

Real World Case Study: Buy-Sell Agreement

Consultant Nicole Benz gives us a Real World Case Study about an advisor who worked with DPL to consolidate two policies for a client.

Type Carrier Name Rating DPL Insights
Disability Income Insurance Principal® Disability Income Insurance A+

Portable disability income insurance that provides for an individual if they are unable to work

Life Settlements Lighthouse Life Life Settlements

Purchases policyowner's life insurance policy at current market value

Term Life Insurance Principal® Term Life Insurance A+

A cost-effective solution for ensuring coverage with the option to convert to a permanent policy in the future

Variable Universal Life Insurance Ameritas Advisor II VUL A+

Low-cost VUL designed for tax-free income

Variable Universal Life Insurance Lombard International Private Placement VUL

Non-traditional investments designed for tax-efficient legacy wealth transfer


May 15, 2021
Listen to DPL's newest advisor podcast series; Advisor Revelations and A Day at DPL. You...


May 18, 2020
David Blanchett, head of retirement research for Morningstar’s Investment Management group, says that among the...


Jan 24, 2020
More and more advisors are joining DPL. David Lau explains the industry's reaction to what...


Sep 28, 2020
DPL Financial Partners Founder & CEO David Lau and leaders from Principal discuss the industry’s...


Jun 10, 2022
Vice President of Member Success, Tim Rembowski, debunks a common misconception that implementing Commission-Free annuities...
David Lau


Feb 07, 2019
David Lau explains why advisors have to bill on insurance as they would on any...


Oct 27, 2021
Protecting client assets, transitioning them to retirement, and generating efficient income each pose challenges to...


Jan 23, 2020
Consultant Nicole Benz gives us a Real World Case Study about an advisor who worked...


Apr 28, 2021
DPL's Jonathan Barth explains why stocks and bonds are no longer the best solution for...

Common Questions

Can life insurance be used for wealth accumulation?

Permanent life insurance policies, once the commission is eliminated, provide benefits which can be powerful for wealth accumulation. Without a hefty commission being removed from premiums, client assets grow and can be withdrawn tax free. Talk to your DPL consultant for strategies on how to leverage commission-free life insurance for wealth accumulation.

What are the benefits of Commission-Free permanent life insurance?

For most permanent life insurance policies, the agent’s commission is removed from the client’s premium – often 40%-80% of the premium – leaving a fraction of the client’s premium to fund the policy. When those commissions are eliminated, your clients often find they can fund a death benefit for less premium or buy more coverage with the same premium.

Have more questions about Commission-Free Insurance?

Call us at 888.327.0049 to speak to a DPL Consultant.


©2022 DPL Financial Partners, LLC. All rights reserved.

DPL Financial Partners does business in the state of California as DPL Insurance Solutions
under California License #0M42434.

Securities offered through The Leaders Group, Inc. Member FINRA / SIPC
26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120 • 303-797-9080
DPL Financial Partners is not affiliated with The Leaders Group, Inc.

Check the background of this firm on FINRA’s BrokerCheck.