Here is what most families are never told about the insurance and financial services industry. The majority of agents are captive: they represent one company, they can only show you that company's products, and they are paid based on which products they push most aggressively. That is not a conflict of interest in theory. It is a structural guarantee that the recommendation you receive will be shaped by what pays the agent, not by what serves you best.
Then there is the follow-up problem. Most advisors are paid at the point of sale. Once the application is submitted, the financial incentive to stay in contact drops to near zero. Your life changes, your goals shift, your policy may need to be reviewed. But the call never comes, because the commission already cleared.
Demetrice Etheridge saw this pattern repeatedly before he built FLHG Management Group. He saw families who had paid premiums for years on products that were wrong for their situation from the beginning. He saw retirement accounts quietly eroded by taxes that a properly structured policy could have legally avoided. He saw mortgage balances carried for decades by families who had never been told about protection options that cost less than a cable bill.
Every client Demetrice works with gets access to multiple A-rated carriers, a complete review of their actual options, and an advisor who is still answering the phone two years after the policy is issued. Not because it is good marketing. Because it is the only way to do this work with integrity.