AN AUDIT

The word inevitably evokes fear in your mind. But here's an audit you don't need to be afraid of- a life insurance audit from your Wealth Management Firm.

As your Wealth Management Firm, we believe that we have a professional responsibility to help you make informed decisions about your financial future. We think the first step in fulfilling this obligation is to review your life insurance coverage to ensure you are getting the most from your insurance dollars. If you don't have life insurance, we would like to have an open discussion with you in the value of employing life insurance protection.

HOW IT WORKS
A life insurance audit is simple, it won't cost you anything, it takes little of your time, and there is no obligation to act on the findings. During the audit we will:

• Review your current life insurance objectives and needs.
• Update projections of the expected performance of your policy(ies)
• Show side-by-side comparisons of your policy's projected performance against peer life insurance companies
• Identify any problems or areas for improvements.
• Discuss optimal alternatives after a review of all information.
• Implement solutions, as appropriate.
• Ensure ownership and beneficiary information as accurate and up-to-date.

Contact us to schedule your life insurance audit, or we will contact you to schedule an appointment.

WHY NOW?

It is common knowledge that people are living longer today. But we have discovered that most of our clients are unaware that life expectancy projections (known as mortality tables) have recently been updated for the first time since 1980, which as a significant impact on how life insurance policies are priced. Lower mortality costs combined with broader underwriting standards may allow you to upgrade your current life insurance policy with more cost-effective coverage.

While most people may have life insurance, they rarely have their coverage reviewed or updated. As a result, it may be likely that:

• You are paying too much for life insurance
• You are not getting enough benefit for the premium you pay.
• Your life insurance policy is not properly structured.
• You don't have enough life insurance coverage.
• There are additional benefits that may now be available.