Is Your Estate Plan Protected—Or Is Your Life Insurance At Risk?

A life insurance policy is often the cornerstone of a legacy, yet many policies are "set and forget" instruments that decay over time. If your life has changed—through marriage, a growing family, or a shift in net worth—your coverage may no longer align with your estate and tax goals.

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The Critical Question: Will Your Policy Outlive You?

Most policyholders assume their death benefit is a certainty. However, without a professional audit, you may be facing invisible risks:

• The Age 90 Cliff: Is your death benefit guaranteed to age 100+, or does it rely on volatile cash value performance that could cause the policy to lapse just when you need it most?

• The Efficiency Gap: Are you aware that modern insurance products may offer higher death benefits or lower premiums than the policy you bought a decade ago?

• The IRR of Your Legacy: We help you calculate the Internal Rate of Return (IRR) on your death benefit, providing a mathematical "yield" to compare against other estate-funding strategies.

• The No-Lapse Guarantee: We verify if your policy includes a No-Lapse Guarantee or if it is a "flexible premium" product at risk of imploding in a high-interest-rate environment.

 

A Fiduciary Review for Your Family’s Future

Your estate plan is a puzzle; your life insurance is a piece. If they don't fit perfectly, the tax consequences can be devastating. Our TEAM of fiduciaries—led by an Estate Planning Attorney and supported by CPAs, CFPs and CLUs—ensures your policy is optimized for:

• Liquidity for Estate Taxes: Ensuring there is immediate cash to cover tax liabilities without liquidating family assets.

• In-Force Illustration Clarity: We pull and analyze your in-force illustrations to show you the actual trajectory of your policy, not the "best-case scenario" from the original sales pitch.

• Beneficiary & Trust Alignment: Verifying that your policy is owned correctly (e.g., within an ILIT) to keep proceeds out of your taxable estate.

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Why Our Audit is Different

We don't just look at a spreadsheet; we look at your entire financial architecture.

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The Risk                     Our Fiduciary Solution

Market Volatility                   We stress-test your policy’s cash value and guarantees.

Outdated Pricing                 We benchmark your current costs against the latest market rates.

Legal Misalignment              Our Estate Planning Attorney ensures the policy fits your legal docs.

Hidden Fees                       We uncover mortality charges that increase as you age.