Protect Your Biggest Unmanaged Asset

Which asset sits in your drawer for years, maybe decades?

• Your life insurance policy. ​

Why do you need to review it?

• Usually because you were sold a policy as a “given,” when in fact it was a projection with many assumptions and a disclosure that these projections will probably not come true.​

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What do these projections entail?

• Projected rates of return, projected cost of insurance charges, projected mortality and expense charges, projected funding commitment and the actual impact on policy as assumptions materialize.

Why would an insurance company and your agent present it this way?

• Insurance companies are required by law to show you cash value policy illustrations with best-case and worst-case assumptions. They also disclose to you that probably neither will come true.
• Your life insurance agent is not required by law to be a fiduciary. Therefore, they very often will gear the presentation towards the best-case projections.​

Is it possible that if you do everything you are supposed to do, your policy can still collapse without value?

• Yes, policies are not guaranteed unless they say they are guaranteed and you do all the things that are required to maintain that guarantee.
• Due to a lower interest rate, dividend rate environment and a volatile stock market for the past 10 years, most whole life, universal life and variable life have been underperforming.

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What can you do about it?

• You can hire an insurance professional to order a series of internal reports to determine how your policy is performing against the original projections given to you.
• Who is this policy review process for?
• Policy owners, policy beneficiaries, trustees and businesses owners.

Is this process confidential?

• Absolutely, all reviews are in compliance with HIPPA guidelines.

What is the process?

• The most important page you need to get reviewed is the declaration page that gives the details of the policy.
• Additionally, you were also given and asked to sign a proposal outlining the assumptions and projections presented to you.​

Who are we?

• We are your life insurance advocate. We will verify all the information with you and then order a “report card” from your insurance company. We will determine if assumptions and projections are appropriate and determine how your policy is performing. 
• We will then present to you our assessment of the performance of your policy and if we have any suggestions to make it more efficient and effective.

How to get in touch with us?

Howard Wolkowitz is a financial author, educator and fiercely independent life insurance broker.

You can visit LifeInsureAssure.com and go to his quote engine to see for yourself in seconds how inexpensive term life to age 85 is. If you want to speak with Howard, call 954-558-3673 or email him at [email protected]. 
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Stop overpaying for your current life insurance. ​

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