Fight insurance uncertainty and conflict of interest
The Life Insurance Checkup is an alternative source of counsel in an area where there is a strong temptation for commissions to influence advice. Receiving no compensation, directly or indirectly, from the insurance company, helps us think more clearly for your welfare.
What questions does a Life Insurance Checkup answer?
Do you have the right type: term or cash-value? Do you have the appropriate amount of insurance in light of other assets and liabilities? What is your rate of return on cash value policies? How do policies stack up against alternative investments? Are there better uses of premiums for your family’s welfare?
How much could a Life Insurance Checkup save me?
It is common for people to save substantial percentages of current premium outlays (sometimes due to over insuring and sometimes due to improved value). These can then be reallocated to emergency savings, long-term investing and generous giving.
(Most recent two clients: one saved 50% annually while the other $200+/month)
How much does a Checkup cost?
Cost of services: this is a function of time and savings realized for you. A typical charge is $350 for a checkup, but for more complex situations $100/hour. Sometimes we discount this for simple situations and for higher income clients we charge $125/hour. In all cases we are very sensitive that charges be covered by savings. We can give you a more accurate estimate after knowing more about your circumstances. We guarantee your savings will offset your fee within 18 months (50+% return on your money); the average recovery time is less than a year.
Why should I use a Life Insurance Check-up?
To assure you are optimally spending premiums dollars and because it offers a significant after-tax return on investment (savings you realize compared to cost of the service) which far exceeds other investment options.
What is the Process?
Most Life Insurance Check-ups can be completed within a week or so but could take longer depending on the number and complexity of your insurance policies.
- Complete the initial questionnaire: It’s ideal that the form be completed, since the best insurance decisions are always made in context.
- Mike will follow-up with a phone consultation.
- Submit current or proposed insurance policies for detailed analysis and recommendations.
**It has recently come to our attention that for about a 6 week period from late March through early May 2016 our link to receive your initial questionnaire was broken and none were received. If you tried to contact us during that time, please try again, with our apologies!