No-Load and Traditional Insurance 
This new type of no-load (no commission) insurance can save our clients large amounts of money. These no-load products can include term and various types of permanant life insurance. There are a couple of insurance companies that offer annuities with no "load". This can greatly improve the performance
and/or cost of these products. These types of insurance products usually do not have surrender penalties (because there was no commission charged up front) equating to higher liquidity for the client, additional flexibility, and often much lower annual expenses.
We can evaluate these new products as well as traditional (commission-paying) products for our clients. There are occassions when a no-load product such as term insurance can be more expensive than a traditional (commission-paying) policy with another company. This must carefully evaluated to make certain the client is getting the appropriate product/coverage for the lowest cost. We are able to evaluate both types of policies for our clients rather than just send/refer them elsewhere.
If we identifiy a need for insurance products or suggest that you shop for quotes to increase the value/lower the cost of existing insurance plans, you have options. You can go to the open market for competitive quotes or you can request quotes from Retirement Tax Advisory Group, an independent insurance agency. You can also do both. If you choose to implement insurance products through Retirement Tax Advisory, it is disclosed if any commission are to be received.
You are not obligated to use our services for these items, but we are one of the few firms that offer these newer "no-load" policies. We will present you with several quotes and choices to best meet your needs in a no pressure environment. We can also assist you in exchanging life insurance policies/annuities for better ones utilizing a 1035 tax-deferred exchange. This should only be done to improve a client's financial situation. This could result in lower costs, improved performance, additional coverage, increased income, better guarantees, additional benefits/riders, and other improvements. 
No-Load Insurance
-Few companies offer
-Typically offered solely by fee-only/fee-based advisors (fiduciaries) or sold directly to consumers
-Can greatly reduce client costs, often improving performance
-Often no surrender penalties, higher liquidity
-Often used by educated and/or cost-conscious consumers
Traditional Insurance
-Many companies and many products offered, more common than no-load
-May have more features available than no-load products
-Offered by commission-based insurance agents (not fiduciaries)
-Upfront commissions paid, hence surrender charges/periods
Comparison for illustrative purposes only. Typical scenarios, but could be different. RTAG & Hampton Scurlock,CFP are life/health insurance licensed in KY. As per form ADV, you are not required to use him or RTAG for your insurance needs. We will disclose to our clients if any commission is to be paid on any insurance product & will compare products (including no-load products, if available) to find the best solution for the client.