No-Load – Low Cost Annuities & Variable Life Insurance

At JD Cowan & Company, LLC., our focus is helping our clients find the best of breed low-cost and highly transparent providers of financial products. Our compensation is derived from managing the assets within the annuity and life contracts not through exorbitant commissions.

Simplicity is the message of the future for annuities and variable insurance products. This needed simplicity and transparency will be the stimulus for more direct to consumer, no-agent-needed annuity choices. There is always going to be a consumer need for contractual guarantees and benefits, and insurance carriers will be forced to find a way to offer those additional perks in a much more cost effective manner.

So why would an independent investment advisor talk about “no-agent-needed no-load annuities and variable life contracts?” It’s because no-load transparent offerings with any product are always good for the consumer. The same holds true with annuities and variable life contracts. Change in the financial industry is always hard and very slow to create.

“People don’t know what they want until you show it to them”  ~ Steve Jobs

This statement coined by Mr. Jobs regarding his long line of innovative ideas, but it can also be applied to the financial services industry. John Bogle at Vanguard and Charles Schwab have proven this now famous saying to be true by pioneering low cost direct investment choices. The same visionary leaders that pioneered online banking and online stock trades are now bringing those same innovative blue water strategies to the antiquated distribution practices of annuity products.