My name is Scott Witt.
I help high-net-worth individuals with $100,000 or more invested in (or soon-to-be invested in) cash value life insurance or annuities to maximize the value of their policies.
I am a credentialed actuary and a consumer advocate (not an insurance agent).
High-net-worth individuals and their advisors hire me to help determine:
- Which policies to keep, replace, modify, sell, or surrender
- If insurance that is no longer needed should be continued, and in what capacity
- How to avoid common problems through proper policy design and policy management
- How to maximize long-term policy value (instead of agent commissions)
- What to do with a policy with substantial embedded gains or losses
- How to best utilize the cash value of a life insurance policy to help navigate retirement
- What is the true cost of borrowing from a life insurance policy
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✔ You will: |
✖ You will not: |
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Get unbiased advice from an actuary whose goal is to maximize long-term consumer value |
Get conflicted recommendations from salesperson whose goal is to maximize commission |
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Get recommendations based on fact and logic |
Get sales pitches |
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Get advice that only takes your interests into account |
Get advice that takes the agent, agent's carrier, or insurance company's interest into account |
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| Be clearly, fairly, and logically communicated with | Have information withheld or provided in an unclear, biased manner |