Policy Review

Insurance products are constantly changing and improving. Our comprehensive policy review evaluates your life insurance coverage. NWM life reviews and analysis includes:

  • Needs assessment
  • Review of policy ownership, beneficiary and product type relative to current objectives
  • Evaluation of underwriting class
  • Policy performance of future cash values and death benefits based upon current results as compared to original expectations
  • Evaluation of policy charges and assumptions
  • Assessment of possible rate class improvements
  • Evaluation of the financial ratings of the insurance carrier
  • Evaluation of restructuring strategies such as consolidation and 1035 exchanges
  • Evaluation of whether there is a more cost effective way to help achieve future goals
  • Comprehensive survey of current insurance products to determine most favorable pricing

Policy reviews can be arranged by calling 732-741-3950.