Policy Analysis and Review
Keep Your Coverage Aligned With Your Goals
Life insurance is one of the most important financial tools for protecting your loved ones and securing your long-term plans. But policies aren’t static—they can change over time, and so can your needs. That’s why our
Policy Analysis and Review (PAR) service is designed to help you actively monitor, evaluate, and optimize your life insurance portfolio.
What Is Policy Analysis and Review?
The PAR process is a structured tool that gives you a clear picture of your life insurance policies today and how well they align with your financial objectives. By reviewing your policies on a regular basis, you gain insight into whether your coverage is still appropriate, efficient, and cost-effective.
What We Review
Our analysis looks at the most important components of your policies, including:
- Policy ownership and beneficiary designations
- Cash values and surrender values
- Annual premiums and payment methods
- Death benefit amounts and riders
- Net cost of insurance
- Year-by-year policy illustrations
- Policy benefits, guarantees, and investment features
- How each policy fits into your broader financial plan
Why It Matters
A life insurance policy that was a perfect fit 5, 10, or 20 years ago may not be serving the same purpose today. Family dynamics, financial goals, tax laws, and investment opportunities all change. Without regular oversight, policies may underperform, cost more than expected, or no longer align with your intentions.
Our Value to You
Through the PAR process, we:
- Track and organize all key details of your coverage
- Identify gaps or inefficiencies in your policies
- Provide clear, easy-to-understand reports of your portfolio (see sample on page 2 of the PDF)
- Coordinate your life insurance with your overall wealth and estate plans.
Take Control of Your Life Insurance
Our goal is simple: to give you confidence that your life insurance is working as hard as you do. With a regular Policy Analysis & Review, you’ll know your coverage is up-to-date, efficient, and aligned with your family’s future.
Ready to Review Your Policies?
Schedule a consultation today and let’s make sure your life insurance is still the right fit for you.