Policy Design
Protecting Your Clients' Wealth through our comprehensive four-step Life Assurance 360™ process for evaluating insurance companies and designing optimal policies.
The Life Assurance 360™ Approach
We employ a unique four-step process called Life Assurance 360™ for evaluating insurance companies and designing policies. This comprehensive approach produces better outcomes than addressing these steps in isolation.
By integrating company evaluation, plan design, underwriting advocacy, and ongoing management into a unified process, we ensure your clients receive optimal coverage tailored to their specific needs.
The Four-Step Process
Our comprehensive Life Assurance 360™ approach ensures every aspect of your client's policy is optimized.
Life Insurance Company Evaluation
Comprehensive due diligence review to ensure the right carrier match for your client.
- Financial strength analysis examining over 30 metrics from numerous sources
- Evaluation of past practices and commitment to policyholders
- Assessment of product portfolio suitability for sophisticated planning
Plan Design
Examining five key elements to create the optimal policy structure.
- Safety — the degree of protection provided by the death benefit and the equity
- Flexibility — the ability to modify the plan as needs and circumstances change
- Equity — the ability to accumulate accessible cash value
- Certainty — predictability in policy performance
- Competitiveness — strong market performance relative to alternatives
Underwriting Advocacy
Proactively managing the insurance application process.
- Leveraging knowledge of how insurance company underwriters make decisions
- Working with medical directors to present cases favorably
- Coordinating with actuaries to achieve optimal risk classification
Ongoing Policy Management
Continuous maintenance to ensure policies perform as intended.
- Regular performance comparisons against projections
- Activity summaries and transaction monitoring
- Financial strength updates on carrier health
- Notifications of new features and enhancements
Calculate Your Coverage Needs
Use our interactive calculator to estimate how much life insurance coverage your family would need.
Ready to Get Started?
Our team is ready to help you understand your options and design a policy that fits your unique needs and goals.