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Life Insurance Audit

If you are a life insurance policyholder and you have not reviewed your policy in a few years, you’re not alone. Sixty-five percent of life insurance policies are underperforming, priced incorrectly or inappropriate by today’s standards. Even worse, hidden costs and policy fees can be quite costly, and quickly add up for holders of multiple policies.

 

These are just some of the many reasons why high net worth individuals, business owners and corporate executives rely on me for periodic Life Insurance Audits. By understanding your goals and objectives and thoroughly evaluating your existing policies, we can recommend customized solutions designed to help you adapt to changes in your finances, health, lifestyle, goals, etc. while realizing the following benefits: 

  • Increase your total coverage

  • Reduce your premiums

  • Lower and/or eliminate your policy fees and expenses

  • Increase your plan benefits without increasing costs

    …and much, much more.

     

    Contact us today to schedule your complimentary Life Insurance Audit consultation, and let me help you discover a wealth of savings, and coverage, you never thought possible.

     

Life Insurance Audit Process

You’ll be pleased to find that we have simplified the entire Life Insurance Audit process. In fact, we perform the entire process in just five easy steps:

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  1. First, a review of your goals and objectives regarding your finances, health, lifestyle, estate, long-term care, etc.

  2. Next, a review all of your life insurance policy statements for details such as funding levels, guaranteed and non-guaranteed policy values, administrative costs, fees and expenses, etc.

  3. We then determines opportunities to improve your medical underwriting class, and reduce excessive fees or premiums with comparable policies, or those that offer greater coverage at no additional cost.

  4. Afterward, we perform an insurance company ratings assessment on the financial stability of your insurance companies, along with a comparative analysis of your current plans on the market.

  5. Finally, we present the results of our comprehensive analysis and recommended plan of action.

     

    For your added peace-of-mind, it’s important to note that we are an independent advisor, and not beholden to any individual insurance company. Instead, we’ll partner/work closely with you to determine the Life Insurance, Disability Insurance and Long Term Care products that would best-satisfy your specific goals and objectives.

     

    We prepare and submit anonymous, informal applications based on your health information only, then let the 50 carriers we represent bid for your business. The result? You receive the best policies at the best prices from the most stable and reputable carriers in the industry, all at savings of up to 50%.

the team
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