As Technology advances, financial concerns become global, and lawmakers look toward increased regulation, life insurance grows more complicated every day.

Unrealistic assumptions made by some life insurance companies about the overall performance of their policies add an additional layer of complexity. While today there are more life insurance options than ever to choose from, finding and selecting the right policy has become an ever more difficult task.

In order to make the right decision, you need a well-informed, dedicated financial analyst on your side — someone to advise you, ask the right questions, help you assess your real needs, and sort out the myths from the realities.

For more than four decades, Terry R. O’Neill has helped thousands of companies, professionals, and individuals make the wisest and most beneficial life insurance decisions.

By focusing on the empirical analysis of financial data, he can help you maximize your potential benefits while minimizing your cost. At the same time, his wide-ranging knowledge and experience, and his commitment to providing complete personalized service, will take the stress, confusion, and anxiety out of making these critical financial decisions.

Terry R. O’Neill leads the reader through the maze of numbers, promises and policies to some simple but frequently overlooked truths: You need a well-informed, reliable agent on your side, an insurance company with a solid financial foundation and a policy appropriate to your own unique needs, circumstances and financial goals."

H. Edwin Trusheim
Former Chairman, Federal Reserve Board of St. Louis