In-Force Policy Review & Ongoing Evaluation
Much of the most valuable insurance work involves policies already in force.
AdvisorServe conducts structured reviews of existing life insurance policies, evaluating performance, assumptions, ownership structure, funding patterns, and alignment with current planning objectives. As client needs evolve, we help advisors determine whether policies should be maintained, modified, repositioned, or exited.
These reviews often identify risks, inefficiencies, or opportunities that are invisible without specialized insurance expertise.
When New Coverage Is Appropriate
When planning analysis indicates a need for new life insurance, AdvisorServe helps advisors evaluate options thoughtfully and defensibly.
We assess underwriting considerations, carrier appetite, policy design, and long-term implications before implementation. The objective is not simply to secure coverage, but to ensure the solution supports the broader financial plan.
Policy Design & Structuring
Life insurance outcomes are driven as much by structure as by product selection.
AdvisorServe assists advisors in evaluating ownership arrangements, beneficiary designations, funding strategies, and policy mechanics so coverage aligns with tax, estate, and cash flow considerations. Sound design reduces surprises and increases durability over time.
Advanced Planning Applications
AdvisorServe supports a wide range of life insurance planning needs, from straightforward protection planning to highly complex cases.
This includes buy-sell planning, key person coverage, estate planning coordination, executive benefits, and planning for closely held business interests. We help advisors navigate complexity while keeping recommendations anchored to planning objectives.
Life Settlements & Exit Strategies
In certain situations, maintaining an existing life insurance policy may no longer serve the client’s best interest.
AdvisorServe assists advisors in evaluating life settlement options when appropriate, helping clients understand trade-offs, risks, and implications before making a decision.
How Advisors Work With AdvisorServe
Advisors use AdvisorServe as ongoing insurance counsel—not a transaction-based service.
We answer questions, review policies, evaluate alternatives, and provide continuity over time. The advisor remains the primary relationship.
We remain accountable for the insurance analysis and execution.
Who This Is For
AdvisorServe partners exclusively with fee-only fiduciary advisors.
We support advisors working with clients across the full wealth spectrum—from everyday planning needs to high-net-worth and ultra-high-net-worth situations—ensuring life insurance decisions remain disciplined, defensible, and aligned with the plan.
Life settlement: In a life settlement agreement, the current life insurance policy owner transfers the ownership and beneficiary designations to a third party, who receives the death proceeds at the passing of the insured. As a result, this buyer has a financial interest in the seller’s death. A policy owner should consider the continued need for coverage, and, if the policy owner plans to replace the existing policy with another policy, the policy owner should consider the availability, adequacy and cost of comparable coverage. Policy owners considering the need for cash should consider other less costly alternatives to a life settlement. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information, that may affect their life expectancy. This information is requested during the initial application for a life settlement. After the completion of the sale, there may be an ongoing obligation to disclose similar and additional information to the buyer or servicing agent at a later date. A life settlement may affect the insured’s ability to obtain insurance in the future and the seller’s eligibility for certain public assistance programs, such as Medicaid, and there may be tax consequences. Individuals should discuss the taxation of the proceeds received from a life settlement with their tax advisor. A life settlement transaction may require an extended period of time to complete. Due to complexity of the transaction, fees and costs incurred with the life settlement transaction may be substantially higher than other securities. Once the policy is transferred, the policy owner has no control over subsequent transfers. Valmark and its registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Valmark Securities supervises all life settlements like a security transaction.
