Policy Analysis

In the last 10 years the life insurance industry has experienced significant losses in the investment returns underlying permanent life insurance policies. Interest rates are at their lowest point in over 30 years. At the same time, new generations of life insurance products have entered the marketplace with lower mortality charges and lower company expenses. Guarantees have never been stronger.

What does this mean for you?
We have developed a process, which thoroughly scrutinizes your in force coverage(s) and identifies potential areas for improvement. We analyze the underwriting, the product and the guarantees (or lack thereof) in the policy. Should we recognize weakness in your policy, we then compare it to the best available products in the marketplace today.

A recommendation is then given to either maintain the existing policy or move to a more effective product. We find that we can improve our client's current situation in nearly 87% of the cases we audit.

The end result is a certified policy appraisal!