Available to clients and advisors for comprehensive policy reviews

Conduct objective analysis of existing life and long-term care policies

Identify key policy features and design elements

Review client objectives and policy’s role in estate and wealth management plans

Research policy performance, “stress-test” future performance and sustainability

Assess overall policy effectiveness and possible areas of improvement

Where life insurance owned by trust: review trustee role and fiduciary responsibilities

As appropriate, recommend modifications to upgrade performance and increase policy value

Evaluate current policy administration process (premium payment, annual review, etc.)

Recommend steps to enhance cost-efficiency and prevent lapse of coverage