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Life insurance:

Portfolio Management

Life insurance represents substantial family and business capital. It is tied to complex lifetime financial strategies, integrating personal and business philosophies, capital management goals and objectives, financial and tax circumstances.

It has become an actively managed asset - not simply a contract in a file cabinet. Most policyholders do not realize the opportunities they may be missing by leaving it there.

Using our life insurance management system, Proformex, we ensure we are maximizing the performance of your insurance strategy with annual policy reports and tracking important policy dates to avoid lapses and increases in premium.

Policyholders have choices in policy design that can enhance performance and offer protection guarantees.

Not only does capital grow income tax-deferred inside a life insurance policy, it creates income-tax free multigenerational capital in the form of the death benefit - and estate tax-free with the right ownership structure.

Life Insurance Portfolio Management combines these big picture issues with all the details driving life insurance value - in other words, the family and business capital held in policies - in relation to your wealth transfer, wealth management, corporate benefits, and business transition planning.

This is what our knowledge and experience will mean to you over your lifetime and into the lifetimes of the generations that follow.

What we do:

  • Evaluate your existing polices for suitability to see if they still track with the initial objectives you set or when changes were made.

  • Analyze your existing policies for performance measures to see if they are meeting, exceeding, or falling short of projections while remaining cost effective.

  • Examine company performance to make certain their financial strength continues to align with their guarantees.

  • Compare existing policies to new policy choices to determine if there are more efficient ways to achieve the same goals.

  • Look for underwriting issues to determine if changes in health or underwriting standards could impact policy management decisions.

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