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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


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DPL was honored to sponsor NAPFA’s recent Spring Conference in Phoenix. Having worked to develop...


Jan 30, 2020

Through this educational video series, you'll meet leading experts who come to speak with David...


May 20, 2020
Advisor interest in no-load products continues to grow and technology makes it possible to model...


Jan 22, 2020

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


Feb 27, 2020
A common misconception among advisors is that annuities should not be used within an IRA...


Feb 28, 2019

As a crew rearranges Nobel Prize winning economist Bill Sharpe’s living room to film a...


Jun 25, 2019

The 2019 RIA Retirement Planning Benchmarking Survey provides insight into advisors’ current retirement planning practices...

Nicole Benz


Dec 10, 2019

When an RIA firm joins DPL, our team helps advisors incorporate Commission-Free solutions into their...


Jan 25, 2020

DPL consults with our carrier partners, sharing insight and feedback from our members to help them...

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.