CONSULTING Group
Our Expertise
Areas of Life Insurance Expertise
Analysis & Management
Life insurance analysis and management is a critical aspect of financial planning for individuals and families. By understanding the various types of life insurance policies,
Litigation Support
More often lately I am retained for litigation support purposes. While I am not an attorney, what I am clearly seeing in the market is
Expert Witness Services
Life insurance expert witness services are critical for resolving complex litigation cases. Expert witnesses have the specialized knowledge and experience to provide reliable and objective
Acquisition & Divestiture Support
Acquisition & Divestiture Support for Life Insurance is a specialized service offered by consultants who understand the complexities and challenges of this unique sector. We
Portfolio Optimization
When optimizing your life insurance portfolio, there are several factors to consider including the type of policy you choose, coverage amounts, and premiums. It is
Policy Valuations
Life insurance policy valuations are the process of calculating the current net worth of a life insurance policy. This calculation is used to determine whether
Tax Analysis
Life insurance tax analysis seeks to understand the implications of life insurance policies on an individual’s ability to save, invest, and pay taxes. It involves
Life Settlements
I have lost track of how many times I have brought the concept of a life settlement to the attention of advisors and policy owners.
Industry Speaking & Education
Bill greatly enjoys speaking on life insurance and his passion for the subject is readily apparent. While the topic often induces eye rolling, he has
Q&A
Opinion of IUL Policies
I am curious as to your opinion of IUL policies? They seem to me to substantially overpromise, and they are too complicated for me to understand! Would love to hear what you think.
Premium Financing
Is there any non-proprietary information, including company and contract recommendations, as well as illustrations of cases, of which you have analyzed and approved?
My inclination has always been to employ a guaranteed ten-pay WL contract, with as much enhanced-style PUA’s as possible (below MEC) and combine it with a fixed, ten-year loan to attempt attainment of my true, positive arbitrage, but I need your counsel on my theory.
Is Term Insurance a Commodity?
When it comes to term insurance, can’t I treat that as a commodity, at least when I’m dealing with quality insurance companies? Why should I pay any more than I need to?
Effect of Loan on Life Insurance Policy
Please help me out with the effect of a loan on my policy. What happens to policy crediting and am I focusing on the cash value or the cash surrender value when looking at COIs (Cost of Insurance).