The devil is in the details

The Devil is in the details… and we know where to find them.

Everyone knows the odds are stacked in favor of insurance companies. The Stratus Policy AssessmentSM is an inexpensive way to expose the policy terms that impact your beneficiaries when it's time to collect on any death claim.

There are many reasons policies become problematic:

Developments in underwriting rules, regulations, and standards.
Deteriorating financial stability or reputation of the insurance provider.
Changes in circumstances including health, lifestyle, and intended beneficiaries.
Impending, and often forgotten deadlines, including policy expirations or renewal.

The Stratus Policy AssessmentSM is an independent policy review.

Policies change over time – along with the policy holder’s needs and circumstances. This independent policy review provides a valuable check-up to ensure your insurance portfolio is addressing today’s real needs.

The fine print in the insurance contract doesn’t change, but other pieces can. This means your insurance portfolio may not provide the same benefits you were expecting when purchased.

Understanding the realities of your policies is essential for protecting yourself and your beneficiaries.

satisfaction guaranteed

Our Core Commitments

  • Client's interests first, not the insurance company's.
  • Encouraging open communication and honest dialogue.
  • Providing independent advice focused strictly on our clients’ goals.
  • Giving clients the information in an easy-to-understand format to help them make well-informed decisions.
  • Gaining strength through our partnership culture.
  • Being committed to education, learning, and growing.

Policy rating

How We Enforce Coverage

We are a different kind of insurance advisor. We focus on stress-testing clients’ existing insurance portfolios. Since we know that 88% of policies do not deliver as the policy owner anticipates, we unearth the problems and loopholes and shore them up, ensuring protection and coverage.

We Are Not Affiliated with Any Insurance Carriers

Since we are not affiliated with any insurance carriers, we’re able to offer independent and objective analyses. We believe this is necessary for supporting our clients’ ability to make the best decisions for their financial future.