Assisted Sale

Consulting via the Assisted Sale Model, provides for best-in-class, knowledgeable and certified specialists as resources for clients' situations and objectives.

Policy Review

The life industry is constantly developing new pricing models and benefits to newer policies. Such as allowing clients and policy owners to include Long Term Care as an enhanced feature. Like computers and automobiles, there is a need to review every five to seven years for advances in technology and functionality.

When was the last time you stress-tested and right-sized your life insurance portfolio?  The conversion option in term policies often explore well before the term limit is up.  Term policies need to be reviewed every 5 years for convertibility and available lifetime  benefits. Cash Value life insurance almost always performs differently than the original  illustration demonstrated. As such, producing an inforce illustration every two to four  years is highly recommended. 

Premium Finance

Life insurance premium financing involves taking out a third-party loan to pay for a policy's premiums. This strategy may be useful to high net worth individuals (HNWIs) who don't want to liquidate assets to pay for costly life insurance premiums outright.

To finance a premium, the individual or company requesting insurance must sign a premium finance agreement with the life insurance premium finance company. The loan arrangement may last from one year to the life of the policy.

Insurance premium financing is similar to other types of loans. Instead of making payments directly to the insurance carrier, the insured will work with a premium finance company. The premium finance company will take care of the premium payment due to the insurance carrier.