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If you're going to do it for a fee, then you should be licensed in your state as an analyst.
Here is the link in California: Life and Disability Insurance Analyst
Here is the link in California: Life and Disability Insurance Analyst
A Life and Disability Insurance Analyst is a person who, for a fee or compensation of any kind, paid by or derived from any person or source other than an insurer, advises, purports to advise, or offers to advise any person insured under, named as beneficiary of, or having any interest in, a life or disability insurance contract, in any manner concerning that contract or his or her rights in respect thereto.