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

Get the facts

Gain insight into how Commission-Free insurance can provide tax-free income, life insurance and legacy planning benefits.

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.

Life Insurance

Traditionally used as a means of income replacement, life insurance provides powerful possibilities with effective implementation. Through DPL, RIAs can now incorporate insurance as part of their clients' holistic financial plans, allowing additional tax-deferral, tax-free income, and wealth transfer efficiency for individuals, and new solutions for sophisticated business scenarios.

Type Summary
Variable Universal Life Insurance

Variable Universal Life is a permanent life insurance policy where the cash value is invested in funds or fixed accounts providing opportunity for growth. Its structure allows for flexible premium payments and an adjustable death benefit, which can be impacted by the investment performance of the cash value. Because of its variable...

Solves for Wealth Accumulation, Retirement Income, Legacy Planning
Life Settlements

Pruchases policyowner's life insurance policy at current market value

Solves for Retirement Income
Disability Income Insurance
Term Life Insurance

Insights and Resources


Jan 24, 2020

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


May 12, 2020

David Blanchett, head of retirement research for Morningstar’s Investment Management group, talks with DPL’s David...

Nicole Benz


Nov 30, 2018

DPL Consultant Nicole Benz discusses variable universal life insurance and how a commission-free solution helped...


Jul 30, 2020
DPL Financial Partners Founder & CEO David Lau and leaders from Midland National’s RIA Strategy...


Jan 22, 2020

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


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


May 18, 2020

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


Apr 20, 2020

David Blanchett, head of retirement research for Morningstar’s Investment Management group, and DPL’s David Lau...


Jan 14, 2020

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

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.

How can insurance be a revenue source for RIAs?

Many RIAs see insurance as a great opportunity to expand and differentiate their services, increase share of wallet, and attract new clients. We see our members charging either a one-time planning fee and/or a percent of AUM.  Our consultants would be happy to speak with you about what may work best for your practice.

Get Started

To learn more about low-cost, Commission-Free solutions call us at 888.327.0049 and speak to a DPL consultant.


©2020 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.