Insurance Portfolio Review
- Your need for life insurance may have increased or decreased.
- Extended periods of low interest rates have affected policy performance and require more premium dollars to keep the policy in force.
- Your health might have improved, qualifying you for a better rating.
- Your family or business situation may have changed.
- Loans, withdrawals, or other policy activity may have affected policy performance.
- Premiums may not have been paid as planned.
It is always a good idea to review your situation every few years and a life insurance portfolio analysis offers an excellent opportunity to make sure that your insurance portfolio is appropriate for your current situation and needs.
We can talk to you about your current situation in relation to your original and current goals, gather information about your policies, and request several illustrations from the issuing companies to determine if your current portfolio is on track, and if not, to determine what steps are necessary to bring the portfolio up to date. After all information is received our office we will review the findings with you and, if changes need to be made, offer suggestions to adjust your portfolio so as to help you reach your goals.
Did you know that policies issued after 2000 have internal mortality expenses - the dollars being charged against your cash reserve each month - as much as 30% lower than older policies? We've been successful in dramatically lowering the premiums being paid by client of our firm. Why not learn if we can lower YOUR premiums?
