Policy Optimization
Proven planning techniques that restructure and reposition existing policies through careful analysis to meet expectations, maintain/restore performance, control risk, and achieve goals.
Tailor-made strategies to suit your needs.
We specialize in the acquisition, placement and service of life insurance policies to enhance your prosperity and provide the clarity your family or business partners need. Life insurance, like any other asset, requires regular monitoring and management, especially as policies can be impacted by shifts in the financial market.
Unexpected Premiums
Due to a dramatic decrease to the crediting rates and dividend scales in recent years, many policies require significant premiums to perform as anticipated, yet most trustees, advisors and policyholders aren’t even aware of the problem because these policies haven’t been reviewed in years.
New Products
With recent product innovations and different mortality tables, new product offerings may be able to save significant premium dollars or increase the desired death benefit for the same premium commitment.
CUSTOM PLANNING
Policy Audit
1
Data Collection
Heirmark will gather policy data from the insurance carriers on your behalf.
2
Summarize Options
Heirmark will evaluate the policy data to complete a comprehensive analysis for review.
3
Determine Optimal Path
Heirmark will include options for each policy, so all parties can make an educated decision about the best path forward for the life insurance portfolio.
4
Life Insurance Acquisition
If appropriate, Heirmark will initiate the life insurance acquisition steps to replace existing life insurance policies.
Faqs
Frequently Asked Questions
Find answers to your questions about Heirmark's life insurance solutions, underwriting process, and advisory services.
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It is best to review your life insurance portfolio on an annual basis, but it should be reviewed at least every 3-5 years.