Life Insurance Planning Audit

Families and family offices utilize life insurance for a variety of purposes such as financial security, estate liquidity, buy-sell funding and asset class diversification. Our licensed Life Insurance Counselors specialize in policy audits, portfolio construction, ownership structure, policy acquisition and maintenance. Whether existing or newly acquired, we fully coordinate your life insurance with the Wealth Integration Plan. Importantly, our system helps you mitigate fiduciary liability.

Our Life Insurance Audits evaluate cost, investment performance and suitability for a given purpose. We begin the discovery process by establishing your objectives.

The ensuing analysis and stress testing quantifies the economics and suitability of the policy or portfolio. For example, is life insurance the best solution? If so, is the ownership properly structured? Are the policies performing well or can cost, rate of return or guarantees be improved?

Life Insurance Audits are a necessity for trustees, corporate officers and family office executives desiring to mitigate liability related to their responsibilities. Annual statements simply do not reveal unknown problems that may be looming in the future. It is important to assess tax exclusion leverage, funding options and strategies to reduce estate taxes using life insurance.

Our Life Insurance Audits are conducted by a team of professionals with over 150 years of combined experience. Degrees, designations and licenses include: MBA, CFP®, ChFC®, CLU®, AEP®, CAP® and Insurance Counselor. The Insurance Counselor designation is essential because many states require an Insurance Counselor license to perform fee-based insurance audits.