Policy Reviews

Many of our clients already own some life insurance before they meet us. We will provide an objective and professional assessment of these policies to make sure they still meet the client’s goals and are performing well, and are competitively priced in today’s market. We can assess policies owned individually, by a corporation, and those owned by an Irrevocable Life Insurance Trust.

Policy Reviews include:

  • Assessment of current coverage details and costs
  • Review of current insurer's financial strength
  • Review of current ownership and beneficiary designations
  • Analysis of In Force Illustrations

By doing regular Policy Reviews, we regularly identify:

  • Underperforming policies
  • Significant cost savings
  • Better products or product design relative to client's goals and risk tolerance
  • Opportunities for more underwriting improvements- can yield lower premiums and/or higher death value for the same premium