Life Insurance Property Management

The Unique Process
Life Insurance Property Management is an intensive forensic study of the many variables of your life insurance contract for purposes of optimizing the return on your invested capital.

We have assembled a team of actuarial and product specialists, who represent you and not the interests of the insurance industry. This sets us apart from the vested interests of agents and insurance companies, who are not incented to provide you with full transparency.

With the critical facts, product knowledge, and experience we can assist you and your advisors in making the right decision.

Phases of Life Insurance Property Management (LIPM)

#1 Risk Identification
The risk identification phase quantifies policy risk according to a set of standards.

• Pricing deviation analysis from the norm
• Multi-variate simulation of the product viability under 10,000 different scenarios
• LIPMS (Life Insurance Property Management Statement) designed to monitor the contract and company's vital signs
• Actuarial reports
• Next steps and relevant costs

#2 Remediation
In the remediation phase, we build out a Decision Option Matrix.

• Creative design and layout of all the opportunities
• View of the current market given the facts of the case
• Overlay of basic analytics onto insurance company-provided information to determine optimization opportunities

#3 Optimization
The optimization phase is an investment approach to policy analysis.

• Optimize return on invested capital utilizing a customized set of parameters or standards
• Employ insurance analytics, life and health expectancy studies, probability analysis, cost structure analytics and premium flows to maximize policy integrity for meeting financial objectives