Is your life insurance policy among the 88% that won’t deliver when needed?
It’s shocking and almost inconceivable. Too often policyholders, or their beneficiaries, find out the coverage they were expecting is simply not there.
Our Stratus Policy Assessment SM eliminates the confusion. It provides clarity and certainty in a simple, user-friendly format that is easy to understand. We make certain coverage and the death benefit will be there for individuals and professionals.
Ensuring families and businesses are protected with a comprehensive independent life insurance policy review.
88% of life insurance policies are not expected to pay a death claim.*
7 out of 10 policies we review have problems. We can help fix these troubled policies.
We are part of the 1% of insurance brokers who are also CA Licensed Independent Insurance Analysts.
1 in 10 policies are not salvageable. For those, we can help find the best solution.
As independent advisors, we help people find and understand the BEST solution.
*According to Wharton, 85% of term policies do not pay a death claim. 88% of universal life policies do not terminate with a death benefit.
The Policy Analyzers SM
The reality is most life insurance policies upon review don’t pay families and businesses what they anticipate.
Give us a call to start the process of analyzing your policy by the independent CA Licensed Insurance Policy Analysts at Stratus Financial Partners.
Our focus and experience as independent life insurance policy reviewers makes the difference.
“Thank you, Stratus, for reviewing my life insurance policy and protecting my family. I did not realize I had not updated my beneficiary. This would have been life altering if you had not uncovered it.”
Stratus Financial Partners analyzes the insurance company's information on that specific policy. By comparing premiums, length of time they must be paid, and the benefits a life insurance policy provides gives us an accurate view of how well the policy can be expected to fulfill its task.
The two components that make up life insurance policies are the death benefit and the premium. There are 4 main types of life insurance: whole, universal, variable, and term. Whole, universal and variable are permanent life insurance options. Term insurance protects for a limited, more specific period of time.
The best insurance policy is one that is reviewed regularly by a licensed insurance analyst. This way it with remain in alignment with both your expectations and your needs.