Insurance Planning through an Advisory Lens
Advising clients means choosing to step aside from your own interests, or the interests of a particular company, to focus solely on the best interests of your client. As such, we look at insurance planning through an advisory lens. We take the time and have the tools to objectively assess the mitigating factors involved in designing insurance solutions. We analyze if insurance can advance your client’s plan, and if so, we provide an unbiased, objective analysis to determine the appropriate solutions.
Competitive Intelligence, Carrier Benchmarking, Product Due Diligence & Cost Analysis
Our exclusive access to industry performance and benchmarking resources, coupled with our deep professional and technical expertise, provides you the most comprehensive and objective analysis in the insurance marketplace. We bring a well-studied approach and research to the process. The real benefit is providing efficient, scalable wealth protection and wealth transfer solutions for your clients in a consultative environment.
Carrier Benchmarking & Performance Assessments
We utilize ALIRT to regularly monitor and evaluate the financial performance of life, health and other insurers against their peers. Our use of VitalSigns allows us to assess and compare the financial strength and ratings of carriers based on financial data of the 500 largest life and health insurance companies.
VitalSigns allows us to assess and compare the financial strength and ratings of carriers based on financial data of the 500 largest life and health insurance companies.
Product Due Diligence
Through our preferred access to LifeTrends®, we conduct product due diligence based on current carrier competitive intelligence and pricing. We benchmark over 30 of the top life insurance companies, considering over 250 products and more than 3,000,000 numerical values. What this means to you is we provide complete objectivity.
We utilize Assurance to further benchmark proposed products based on your clients’ funding goals and the value points you want to measure. We are able to assess the most important value points you set and determine how proposed solutions compare against these criteria.
Policy Review Estimation Calculator (PRECalc)
We utilize PRECalc, LifeTrends® proprietary policy review calculator, to assess the impact and risks of potential 1035 policy exchanges. Within seconds, we ascertain if a policy exchange is warranted and which carriers have the most appropriate, efficient solutions. We further look at all proposed insurance solutions with a focus on cost efficiency and transparency.