Have you had your or have you had your clients Life Policy premiums optimized?
  
   

Universal life policies offer flexibility to decide how much premium to invest though most just pay the level premiums the carriers state which creates an over payment cash value amount. We work with investment advisers to pay only the cost of insurance and invest this additional amount elsewhere to maximize returns.

  

Private Family Trust Policy Evaluation

  • Present day valuation
  • Premium Minimization
  • Mortality tracking
  • Carrier payment tracking
  • Portfolio Servicing

Life Settlement

   

If a policy is no longer needed or deemed to no longer be affordable it might be a candidate for a life settlement option to sell the policy for an amount higher than the cash value.

We offer a free evaluation to determine stability.

  
How does it work without policy Optimization?
   

Lets us an example of a client having a $1,000,000 with $100,000 cash value at time of death paying the level premiums the carrier stated. In this case the insured's family was paying more they the Cost of Insurance and creating an over payment amount (cash value) inside the policy. Upon death the family would receive the $1 million dollar death benefit only and sacrifice the $100,000 cash value.

  

Portfolio Evaluation

See the benefits of policy Optimization?
   

Let's use the same example of a client having a $1,000,000 with our services optimizing their payments and which would reduce the overage payments so only $10,000 of cash value is accumulated at time of death by paying less than the level premiums the carrier stated. In this case the insured's family was paying the Cost of Insurance plus a recommended two months COI buffer amount to minimize the over payment amount (cash value) inside the policy. Upon death the family would still receive the $1 million dollar death benefit and with only $10,000 cash value the family shares $90,000 more money.

  
   
Do you have procedures in place to ensure carriers credit premiums as received?
  
   
Example:

Client hired us to minimize his premiums on his $3,000,000 Universal Life policy. Two years later he unfortunately passed away in an accident. Due to minimization too only COI payments the family received substantially more return on the policy.