Services

I have audited and reviewed policies for 33 years, providing an objective overview of the strengths and weaknesses in life insurance policies.  I maintain complete independence with no ties to any insurance company, bank, brokerage house or securities firm.  Today, life insurance audits/reviews are more urgent than ever. With changes in interest rates, company performance and insurance costs, some policies are at risk of early termination. It is important to make sure that your coverage is adequate to meet your goals and objectives as they are today. These are constantly changing depending on what is happening in your life. And a Policy Audit/Review is not necessarily a precursor to purchasing a new policy.

The only possible outcomes to a Policy Audit/Review are:

• Your policy (ies) effectively meets your needs & goals or
• Your policy (ies) does not meet your needs & goals.

and

• Your policy (ies) is performing efficiently or
• Your policy (ies) is not performing efficiently.

Any of these life events could cause a need to add or subtract from your present coverage. While regular reviews are important, certain events are more likely to change your coverage needs. Some life events that can cause you to review your coverage are:

Estate Preservation, Parity and Perpetuation – Maintaining assets of liquid estates, providing equally for heirs in different financial situations, creating incentives to ensure that inherited wealth promotes your legacy. These goals can be accomplished through proper planning with life insurance.

Divorce Planning – It is important to do insurance planning before ones divorce. There are choices that you will have while you are married that you will otherwise lose once divorced. We work with your Attorney and CPA providing them with creative planning tips. Also the planning, after the divorce, is important as you rebuild your new life.

Business Continuity, Succession and Transfer – Funding Buy-Sell liabilities, providing key executive coverage, addressing the intersection of business and personal planning. Life insurance plays a critical role in the survival of business during times of sudden or difficult transition.

Geriatric Planning – We team with geriatric consultants and closely work with the families with the planning and placement of their family members; providing the important financial and estate planning needed at this difficult time.

Life Insurance Portfolio Management – Existing life insurance policies that have been in place for years can represent a significant untapped and underutilized resource. Specialized analytical tools can uncover opportunities to enhance the return on life insurance portfolios, generating a positive impact on overall investment portfolio performance.

Business Continuity, Succession and Transfer – Funding Buy-Sell liabilities, providing key executive coverage, addressing the intersection of business and personal planning. Life insurance plays a critical role in the survival of business during times of sudden or difficult transition.

Philanthropic Goals – Giving back to the community and organizations that nurtured your success can be a lifelong goal. Life insurance can facilitate significant gifts that would otherwise impact heirs.

Wealth Transfer Planning – We work with high net worth individuals and family owned businesses; along with their attorney and other advisors to implement a plan to maximize ones wealth transfer. Through prudent planning we help reduce taxes and transfer costs in estates. Our planning also helps maintain the bond between the heirs. We are also able to provide a workable and feasible exit plan for an individual in a family owned businesses. Through experience we have come to understand insurance in a different way, as a progressive vehicle for the preservation of wealth – a means to an end, not the end itself.

Personal Needs Analysis – This Life Insurance Needs Analysis is intended to provide a general estimate of the amount of life insurance coverage you may need. Your actual need today and over time may be higher or lower than shown. This analysis provides only a snapshot of your current situation. The results of this analysis are based on your inputs and assumptions.