Life Insurance Policy Audits – One of our primary capabilities is in the area of life insurance policy reviews. We start with the collection of necessary data: a copy of the policy, an authorization (signed by the owner) to work with the existing carrier to gather history and projections, an authorization (signed by the insured) to obtain medical information if desired, and any history you can give us on the policy's purpose. We then initiate our research and develop a full analysis of the policy. Our report usually includes pricing evaluation, policy projections, suitability of coverage, recommendations on policy changes if needed, carrier strength and ability to maintain the current crediting rate, and client mortality projections which can be critical to the selection of premium patterns and policy duration. Our policy audit can be invaluable to those who are serving as Trustees, recognizing the responsibility they have to the beneficiaries of the trust.

Sample Audit Page