Our goal is to offer a better alternative to fit the current and future needs of our clients, by scrutinizing current in-force policies and negotiating for better, more cost-effective options. The options may include reducing premiums through more cost-effective programs, or being able to increase the benefits of the plan for the same cost.

Life insurance policies are often purchased based on assumptions about future performance and needs. Some insurance policy’s performance relies on crediting rates or dividend payments from insurance companies. The amount and frequency of premium payments can impact the anticipated future values of a policy. Life insurance policies death benefit may be impacted by late or missed premium payments or outstanding policy loans.

• Life Insurance policies should be reviewed about every four to five years
• Family or business situations have changed
• Increase in the number of dependents that you are financially responsible for
• Policy interest rates, dividends, or investment returns have declined
• The insured’s health has improved, opportunity for potential savings in policy expenses
• The insured’s health has declined, confirm current policy values
• Growth in mortgage loans or business liabilities
• The policy has outstanding loans, requires policy changes, or is nearing the end of its conversion period

• A review of in-force life insurance relative to current needs
• An analysis of current policy funding
• An investigation seeking improvements in your medical underwriting classification
• An analysis of your policy’s performance compared to illustrations at the time of the sale
• An assessment of the current ratings of each insurance company owned
• A comparative analysis of your policy and policies currently available in the marketplace
• Decision making support from Capital Crest Financial Group professionals