Policy Review, Design and Management
The quality of an advisory relationship is measured not by the initial strategy, but by the ongoing attention it receives. Markets shift. Goals evolve. Tax laws change. We treat coverage the way any important asset should be managed — with consistent oversight, objective analysis, and a willingness to make adjustments when circumstances call for it.
Documenting performance, identifying risk, ensuring every policy serves its intended purpose year after year. Scored against independent dimensions, benchmarked against comparable contracts, and delivered in a written rationale.
Two out of three high-net-worth in-force cases we review are materially misstructured, underperforming, or owned in a way that has created avoidable exposure.
Our Process
Every policy is evaluated across seven independent dimensions — Cost, Guarantee, Investment, Carrier, Flexibility, Stability, and Risk & Compliance — each scored, each benchmarked, each documented in the written rationale.
Full Policy Audit
Structure, performance against original projections, costs, loans, guarantees, and funding adequacy across the full funding life.
Benchmark & Stress Test
Illustration vs. actual. Market alternatives, IRR, and adverse-scenario modeling against comparable contracts.
Risk & Compliance Review
Carrier strength and ratings trajectory. IRC 101(j), 6039, and testing. Beneficiary and ownership verification.
Where the review uncovers something, it rolls directly into consulting — case design and modeling across carriers, estate and liquidity frameworks, premium finance and PPLI, plus ongoing administration and annual management of in-place coverage. No gap between finding the issue and handling it.