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under your Current Contract?
under your Current Contract?
Our Services
Our Service to You
Discover more about our extensive range of professional services. We constantly update this page, but if you still can’t find what you’re looking for, please feel free to get in touch with us – we will be more than happy to help.
The insurance industry is operating on a vastly different playing field than it was five or ten years ago. This has led to significant changes in the way that life insurance products are designed, priced and medically underwritten. The accompanying Life Insurance Assessment represents a thorough evaluation of the life insurance policy for your client in light of the following medical, economic, industry and individual factors...
Underwriting reclassifications due to
medical advancements.
Significant medical advances over the past ten years have had an impact on life expectancies. In countless cases, medical histories that were deemed uninsurable or highly rated in the past could now be rated more
favorably. Current policies and medical profiles will be reviewed to determine whether more favorable underwriting classifications are potentially attainable.
Fluctuating interest rates, dividend scales, and market fluctuations. Fluctuating interest rates have had an impact on policy crediting rates and dividend scales which are directly tied to the overall rate of return experienced within the insurance company’s investment portfolio. The stock market has been up and down, causing wide fluctuations in variable policy performance.
Changes to product expenses and insurance charges. Cost of Insurance (COI) charges can be changed by the insurance company, which will have a direct impact on the projected values illustrated at the time the policies were issued.
Development of a secondary market.
Life settlement companies have developed the option of giving policy owners the choice to sell their policies for a fair market value which may be more than the cash surrender value.
Structural Insurance Industry Changes. Life insurance companies have undergone widespread changes in corporate structure, including mergers, acquisitions and demutualization.
In some cases, the result has been greater efficiencies that are reflected in the policies issued. In other cases, the impact has not been positive. The accompanying assessment audits your insurance company’s financial stability and its ability to meet ongoing obligations.Our Services
Consulting
We always put our focus on our customers. We want you to find the product or service that perfectly suits your needs, which is why we offer comprehensive consulting services to help you make an informed decision.
Sales
Our aim is that you are completely satisfied with our products and services. That’s why we not only provide professional advice before you order: We are also there to help you afterwards, serving as reliable support.
Training
We regularly offer industry-relevant training programs and workshops. Our certified instructors have many years of experience in their specialist area and enjoy sharing their expert knowledge with their students.
Our Philosophy
Quality
Everything we do centers on providing services of the highest level of quality. We won’t stop until you’re 100% satisfied – that’s a guarantee.
Efficiency
We pride ourselves on our efficient procedures and solutions, but we continually strive for improvement in order to deliver results more effectively.
Fair Prices
Satisfying customers is our top priority. That’s why we believe in offering fair and transparent prices with no hidden fees or extra charges.