We always start with gaining an understanding of the client’s current financial planning goals, risk tolerance and current asset allocation. Understanding the insured’s overall plan provides the context we need to design an accurate insurance portfolio.
We firmly believe that life insurance is an asset class, and like other asset classes, a sound life insurance portfolio should be adequately diversified across carrier, product and funding methods.
Underwriting is about control. Every application tells a story. Our thorough, internal medical and financial underwriting process, combined with our strong market relationships and ability to proactively position cases, equals a proven formula of success for maximizing underwriting results.
In addition to financial stability and competitively priced products, understanding of life insurance company behavior is paramount when selecting a strategic partner in the life insurance space.
When performing in force policy reviews, the number one reason for underperformance is neglect. We want to take neglect off the table. Our ongoing policy and program servicing platform ensures that the insurance portion of your portfolio keeps pace with both the current market as well as your overall financial plan.