Perhaps more important today than ever before, individuals and businesses contemplating the purchase of new life insurance products or managing their existing insurance portfolios, are confronted with an array of offerings where even the simplest are difficult to understand, let alone manage.
Insurance contracts can be extremely complicated offerings, and Actuarial Strategies, Inc. (ASI) has frequently seen situations where even financially astute individuals and business owners, who have been highly successful in their professional or business careers, simply do not understand the nature of the offerings recommended to them. Without this understanding, an informed and intelligent decision may not always follow. In other words, the product selected to solve the client’s concern may not be optimal nor the most cost efficient.
What is needed is competent and objective guidance from professionals who understand insurance products and how they solve problems.
How does one get competent and objective guidance? Most customers get their information from an agent or broker. However, for the guidance to be objective, it should be unencumbered by the conflicts that inherently exist when the advice is provided by individuals who may profit from or be compensated for the advice they render.
Our ASI Insurance Evaluation Service for Trusted Advisors supports the work of advisors when insurance, including life insurance, annuities, and long term care, is a consideration. We consult with prospective buyers and owners of existing insurance. We evaluate and recommend appropriate policies to buy for their personal and business needs. In addition, we offer advice as to the strategies to follow once the policy and/or policies have been purchased.
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