We are seeing more and more need by our clients to have their existing insurance reviewed. It is our advice that everyone have their insurance portfolio reviewed every two to three years.
We work with your existing professional advisors to effectuate the necessary reviews. If you do not have an advisor you are comfortable using we have great relationships with many fine professionals who can do the reviews on your behalf.
Because of the fast pace of change in your lives, the laws, and in the insurance industry the idea of purchasing an insurance policy and then never looking at it again is both foolish and dangerous. A once sound company may not now be able to pay your claim when it occurs. The amount of coverage may be more or less than you need. You may have no coverage for some of your greatest dangers. For the same amount of premium you may be able to obtain more insurance from a stronger company or you may be able to reduce the premium for the same amount of insurance. Sometimes the purpose for life insurance may have ceased to exist. We can explore other purposes for the insurance such as creative charitable giving. If the policy is not useful to you often we can help you obtain more than the cash surrender value for the policy.