Policy Analysis & Carrier Review
Your life insurance policies require regular evaluation to ensure they continue to meet your goals. Our comprehensive analysis provides clarity on policy performance, carrier stability, and recommended actions.
Why Policies Need Regular Review
Low interest rates have pushed insurance companies to increase profitability through higher policy costs, reduced guarantees, and increased mortality costs on existing coverage. This shortens policy duration and requires significantly higher premiums to maintain lifetime coverage.
Some insurers are making foundational business changes with potential negative impacts. Examples include selling business blocks to non-insurance entities potentially unequipped to manage in-force policies.
Common Questions We Address
Like many advisors, you may have clients asking "what should I do?" about situations like these. We provide clarity and recommended actions.
Premium Increases
Facing significant premium increases—sometimes 3-4x the original amount—to maintain the same coverage level.
Coverage End-Age Changes
Policies originally designed for lifetime coverage now projected to lapse early, sometimes decades before expected.
Carrier Sales to Private Equity
Concerned about policy security when carriers sell business blocks to entities less equipped to manage in-force policies.
Coverage No Longer Needed
Life circumstances have changed and coverage may no longer be necessary or appropriate for current goals.
Financial Rating Downgrades
Worried about carrier financial stability following credit rating changes or negative industry news.
Tax Legislation Impact
Uncertain how evolving tax laws may affect the role and structure of existing insurance arrangements.
Calculate Your Coverage Needs
Use our interactive calculator to estimate how much life insurance coverage your family would need.
Have a Case You'd Like to Discuss?
Our team provides expertise reviewing complex insurance arrangements using proprietary analytical tools. Clients receive detailed written reports with recommended actions.