Life Insurance Audit and Valuation Services

Policy valuation is an important part of an overall financial plan. Conducting regular reviews can determine whether the policy is performing according to expectations and meeting financial objectives. There are a variety of factors to consider that may impact the performance and suitability of a life insurance policy. 

It is important to periodically review your client’s life insurance plan and determine that both the product and the planning objectives are being met. 

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Some of the more common reasons to conduct regular life insurance policy reviews include:

 

– Policy of funding adequacy

– Cost of insurance increases

– Replacement of better performing policy

– Carrier rating

– Policy maturity risk

Abacus Life offers complimentary life insurance policy reviews for advisors and their clients. The Fair Market Value (FMV) is determined by using real-time impairment analysis to establish duration risk, while utilizing current discount rates, and is generated in less than 24 hours.

Most importantly, there is never a cost to you or your client. Without the use of intermediaries, clients dodge the extra fees incurred by using a third party. This inevitably means they get 100% of their cash payout. The ultimate goal at Abacus Life Settlements is to get our clients the highest possible payout. See more about what we offer here.

The FMV provides advisors with an alternative appraisal of your client’s life insurance when encountering situations like:

 

– Business valuations

– Business disputes that involve a buy/sell agreement

– M&A or bankruptcy transactions

– Transferring a policy from one entity to another

– Exiting a split dollar arrangement

 

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