Risk Management

Is it time for life insurance checkup?  Life insurance products are financial products and their performance may or may not be keeping pace with changing economic times.

Your life insurance policies may be at risk.  Everyone who owns a life insurance policy should consider a performance review on a regular basis.  Over the past decade, interest rates have dropped significantly, and bonds offer minimal returns. These conditions have seriously affected insurance policy cash values, dividends and the adequacy of scheduled premiums.

Underperforming policies may not meet your planning objectives and, worst case, the policies could lapse. We consider the needs of your family and your business in developing risk-management options that align with your short-term needs and long-term goals.