Skip to main content

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 26, 2022
DPL’s Lead Consultant, Nicole Benz, shares how financial advisors can utilize Commission-Free annuities to exchange...


Aug 13, 2021
What's Behind The Boom In Annuity Sales? In the second quarter of 2021, annuity sales...


Jan 14, 2020
Nicole Benz, Consultant, talks about how DPL tailors our approach for breakaway firms to be...


Jun 10, 2022
Founder and CEO of DPL Financial Partners, David Lau provides tips on how to share...


Sep 29, 2020
Powered by DPL Financial Partners, the SS&C Advent Insurance Marketplace gives advisors direct integrated access...


May 03, 2021
DPL's Jonathan Barth explains the significant difference between products sold on a commissioned basis, and...


Oct 28, 2021
Bonds no longer can be relied upon to provide sufficient retirement what? With traditionally...


Jan 22, 2020
DPL Financial Partners' Sam Johnson explains how conversations with fee-only advisors have evolved over the...


May 13, 2021
RIA Consultant, Jonathan Barth, shares the difference that using Commission-Free insurance and annuities makes 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.