Will your Life Insurance fail you when you need it most?

If interest rates remain low or start to climb, your policy may be at risk of lapsing before your beneficiary collects its value.

If your policy underperforms your original illustration you may be asked to pay higher premiums or pay premiums for a 

longer period of time. 

Don't let this happen, it has nothing to do with how you made your decision.  However, you do have control over the results now. Take action and call me to get the ball rolling on your policy audit.

 Over my twenty-five years as a Life Insurance Specialist calling on Financial Advisors at Banks and Brokerage houses, I reviewed Thousands of Life Policies.  The majority were sold on a needs analysis system.  

"The agent needs a sale" for his quota. 

The premiums typically were not adequate to cover all the changes that can occur over a long period of time.  Like lower interest rates and rising costs of business.  It may have been easier for your agent to show you the minimum premium needed and hope for the best than to show you the right premium to meet your long term goals.  

Long-term care seems to big the biggest problem facing us as we age.  Stand alone Long-term care policies are expensive and hard to qualify for.  The the risk of not ever needing it often out weighs the risk of needing it.

Living Benefits for Chronic, Terminal Illness and Long-term care riders often come at no cost to the insured on the newer polices.  THIS ALONE is worth getting policy audit done.  You could minimize or eliminate the need to buy long-term care insurance.

The "Commissioners Standard Ordinary" (CSO) mortality table has changed twice since 2001.  But it wasn't until 1-January 2021 that the companies were forced to use the new rates.  Also with some changes to the IRS interest rate calculations; chapter 7702.  You maybe in a great position to upgrade your benefits. 

I have been selling life insurance since 1987.  The biggest and best innovation in life insurance has occurred in just the past 8 years.  Indexed Universal Life and the crediting options provided to policy holders improves your performance and lowers your policy's fees.  We can validate this with your  policy audit. 

One of the big problems with older outdated insurance policies always has been getting at your cash value.  Is your current company a "recognition" or a "non-recognition" company?  Is it a "participating policy" from a "mutually owned" insurance company?  Its all just smoke and mirrors spoken to you by multi-level marketing groups.

We can compare your current loan features to newer ones and see what's best for you.

 Nothing! This is a free audit on your life insurance policy. It's a complimentary service we provide to all of our clients. 

 Not at all! This is simply a snapshot of the current health of your policy. Premium payments and other features of the product are not interrupted.

 We have a one-page form that you'll need to complete before the report can be generated. It includes basic information such as policy number and owner name. The purpose of the form is for you to grant authorization for us to contact the insurance company on your behalf. 

 Not a problem! This is merely a check-up on your current life insurance policy. Keep in mind, product and strategy recommendations will be made within the report, but you'll have the freedom to decide what you'd like to do next 

 The first thing you need to do is request the free audit. Once send me an email , I will reach out to you and schedule a meeting to review your situation and obtain the authorization signature. We'll collect the information from the insurance company and generate the report for you. We'll schedule a follow-up appointment to present to you our findings. 

 The timeline depends on your availability and the insurance company's willingness to send you the in-force illustrations we ask for, but the overall audit typically takes between 4-6 weeks.