Scope of service depends on your needs and the nature of the engagement.
How can I help?
Scope of service depends on your needs and the nature of the engagement.
If you have $100,000 or more invested in (or soon-to-be invested in) cash value life insurance or annuities, here is how I can help you get the highest possible value out of your insurance policies:
Optimizing existing permanent life insurance policies
Evaluations consider insured’s health and cash flow considerations, client objectives, and opportunity costs.
Potential outcomes include:
- Retention with ongoing premiums
- Retention with no premiums and/or other modifications
- Replacement with a life insurance policy
- Replacement with an annuity
- Life settlement
- Surrender
Designing and evaluating new permanent life insurance policies.
Evaluations include:
- Commission minimization/elimination
- Maximizing value through actuarial design with respect to definition of life insurance death benefit patterns, and other creative techniques
- Review of premium financing proposals
- Company, product, and policy recommendations
Evaluating existing annuities
Evaluations consider expected longevity and financial goals of the annuitant.
Potential outcomes include:
- Triggering guaranteed income riders
- Dropping guaranteed income riders
- Considering alternative investment choices
- Replacement
- Surrender
Assessing long-term care insurance policies/needs
Assist clients in determining if long-term care insurance is needed. If so, evaluate if a standalone policy, hybrid policy, or long-term care rider makes the most sense for their situation.
Appraising existing life insurance policies
Appraisals available for charitable deductions, gift tax returns, and transfers for value.