Life Insurance Expertise

Life Insurance is mistakenly considered as a price only decision. The long term nature of life insurance requires careful consideration in the selection of the insurance carrier, the product type, and the agent or agency to represent you and interact with your heirs.

Some questions to consider in your purchase include:

  • Is the insurance carrier financially sound?
  • Does the carrier have a history of fair treatment of existing policyholders?
  • Will the product be adaptable to changes in your personal and financial goals?
  • Does the advisor have sufficient experience and expertise to meet your needs adequately?
  • Does the advisor have the appropriate staffing levels and systems to provide ongoing policy management?
  • What is the advisor’s depth of experience in large case placements?
  • Does the advisor have a succession plan in place?
  • Does the advisor have access to institutionally prices products?
  • If a term purchase, what products are available if conversion occurs? Are these products comparable to the current marketplace?

Credits: Web design by Orice Media.