Policy Audits include:

• Assessment of current coverage details and costs
• Review of current insurer’s financial strength
• Identification of guarantees, or lack thereof
• Review of current ownership and beneficiary designations relative to goals
• Identification of income, estate or gift tax issues with respect to current laws and future funding requirements
• Projected future premium obligations and requirements

The value of a Policy Audit can be tremendous. We frequently identify:

• Under or poorly-performing policies as compared to the current marketplace
• Savings in annual premiums
• Increased coverage for same premium outlay
• Coverage with improved features/guarantees
• Better products or product design relative to client’s goals and risk tolerance