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Life Insurance

Life Insurance

Once inaccessible to RIAs, the benefits of life insurance are now available through DPL—Commission-Free.

Get the facts

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

A real-life example: Commission-Free variable universal life

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

Real World Case Study: Buy-Sell Agreement

DPL Consultant Nicole Benz discusses variable universal life insurance and 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
Life Settlements

Pruchases policyowner's life insurance policy at current market value

Solves for Retirement Income

Insights and Resources

David Lau


Feb 07, 2019

DPL’s David Lau talks about the product development process for the RIA market.


Apr 20, 2018

The Power and Importance of Commission-Free Insurance

I love the culture we’ve created at DPL...

David Lau


Feb 07, 2019

Hear David Lau, DPL Founder and CEO, talk about his rationale for building DPL –...


Feb 03, 2020

Wade Pfau PhD, CFA, RICP and DPL Founder and CEO, David Lau dig into reasons why...


Jan 23, 2020

I read a recent article in Wealth Management, "Longevity is the Biggest Risk...

David Lau


Feb 07, 2019

DPL’s David Lau talks about considerations carriers need to consider when developing a distribution strategy...

David Lau


Mar 27, 2020

Founder and CEO of DPL Financial Partners, David Lau, explains why advisors should compete in...

Case Study

May 15, 2019

Nick Dally of Pacific Crest Wealth Management in Elk Grove, CA was like many RIAs...


Jul 18, 2018
DPL Founder and CEO, David Lau, and Allianz’s Adam Brown, VP of Actuarial Product Development...

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.


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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
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DPL Financial Partners is not affiliated with The Leaders Group, Inc.

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