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Insurance Portfolio Management

Every life insurance policy represents a capital management component for a plan to meet family, business and charitable goals.  It should assure the right amount of liquidity at the right time to make the plan effective.

However, the right liquidity and the right time are not constants.  The plan has to adapt to family and financial circumstances that change over time.  It has to be supported by long term tax and legal strategies that can react to economic, market, and legislative developments.

Most people think about life insurance like a buy-and-hold investment in the back of a file cabinet drawer.   But it cannot provide the assurance of liquidity if it is not managed in concert with every other element of the plan, and there are critical questions to ask regularly as time goes on to measure the impact of life insurance policies on family and business planning decisions—past, present, and future.

  • Do your life insurance policies remain suitable for your plan objectives?
  • Have your policies and the issuing companies performed to your benchmarks?
  • Are they likely to do so and should alternatives be considered?

The comprehensive life insurance portfolio management process evaluates the facts with an objective valuation of policy and carrier performance in relation to plan objectives and alternative policy design scenarios.  Recommendations can involve renegotiation of current policies to enhance their value, acquisition of replacement or additional policies to expand value, and consideration of strategies to recover capital value.