Life Insurance Analysis
Life insurance is a complex financial instrument often spanning multiple decades. Over time needs change, financial resources change, and economic conditions change all of which have an impact on a life insurance policy. Understanding how a policy works, what options are available to the owner, the economic underpinnings, and the inherent risks all are critical to the long term success of any life insurance strategy. We offer fee only life insurance analysis services to help you understand prospective policies or existing policies.
Life Insurance Acquisition
There is no "best" product. Product selection involves choosing an acceptable mix of premium, cash value, policy features, risks, flexibility, transparency, and certainty. It also requires negotiating competitive underwriting offers from desired carriers. Our educational policy acquisition process helps you choose the most appropriate product based on the criteria you set without the illustration games played by many in the industry. After all, life insurance is supposed to solve problems...not create them.
Life Insurance Insights
The life insurance industry has evolved over time. The level of product complexity has increased. Risks differ across product types, structures, features, and funding patterns. Carriers change. Tax laws change and economic conditions change as do planning strategies integrating life insurance. Continued learning and education is critical to understanding today's product and planning environment. We offer a variety of educational resources for professional advisors (CPAs, attorneys, trustees, etc.).