We are experts in over 33 year providing solutions for every stage of your life (Accumulation, Retirement and Estate Transfer).  Let’s discuss your goals and review your present plan to protect you and your family’s financial future.

One of the most important functions we can perform is to monitor whether or not your client’s plan is accurate. Insurances needs to be reviewed at least annually to make sure it is still meeting the your needs and costs.

NOT ALL REVIEWS ARE CREATED EQUALLY

Policy reviews come in all different forms, and we are experts in examining policies for consumers, businesses and estates. A thorough analysis of existing insurance plans can help prevent gaps in coverage, and also provides an opportunity to build on policies already in place.  We examine over 27 areas you may have in your financial affairs.

CONSUMERS

When considering a policy review for an individual it’s important to address several issues that may affect their coverage:

  • Is the amount of death benefit appropriate to their current lifestyle?
  • Has the client had any significant life changes such as marriage, children, retirement, etc.?
  • Is the premium stable or changing, and still within budget?

We make sure your coverage is performing as desired.

BUSINESSES

Business policies require an acute attention to detail in order to protect owners and their companies. When undertaking a policy review for a business, things to keep in mind are:

  • Is the death benefit in line with the market value of the business?
  • Have key-employees joined or left the firm?
  • Is the insurance portfolio prepared for any key-mergers, acquisitions, or owner’s retirement?
  • Are key-person plans compliant with IRC 101(J)?

ESTATES

Periodic reviews of Trust Owned Life Insurance (TOLI) are necessary to ensure estate plans are on track to deliver. Estate policy reviews are designed to keep policies from lapsing, thereby mitigating the liability of trustees.

AN OUNCE OF PREVENTION

We recommend regular policy reviews to make sure the plan is performing as originally intended, but there are other great reasons:

  • Keep policies enforce, and make sure families are covered.
  • Uncover new coverage’s not previously thought about or know of.
  • Generate new sales where appropriate.

All reviews are totally free with no-obligation.