Independent Insurance Policy Review for Individuals

Your Insurance "Check-Up"

Policies change over time – along with the policyholder’s needs and circumstances. An Independent Policy Review provides a valuable check-up to ensure your insurance portfolio is addressing today’s real needs.

Will your policies deliver the results you expect? 88% of all policies will not.

Policy Review for Individuals

Here are some real examples of how we’ve helped:

Catherine A. had a great long-term care policy, as the policy addressed all her concerns and needs. However, the insurance company was becoming more financially unstable as time went by, exposing her to the risk of losing her policy at an age when it could be more difficult to get a new one.

A review of William K.’s $1M life insurance policy uncovered an unexpected policy expiration at the age of 73 – just 5 years away.

Tom H. conducted a review of his entire insurance portfolio and discovered that his ex-wife was still named as the beneficiary of several policies.

*These are hypothetical situations based on real life examples. Names and circumstances have been changed. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Has your life insurance portfolio withstood the test of time?

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.

There are many reasons a life insurance portfolio can become problematic.

  • Developments in underwriting rules, regulations, and standards
  • Deteriorating financial stability or reputation of your insurance provider
  • Impending (and often forgotten) deadlines, including policy expirations or renewals
  • Shifts in your life – like changes in your health, lifestyle, and intended beneficiaries

The ever-changing circumstances affecting your life insurance portfolio may leave you wondering whether your policies are actually going to do what they’re supposed to do when the time comes. Our Stratus Policy AssessmentSM answers that question for you in a relaxed, easy-to-understand way.

An Objective Look Inside Your Policies

An Independent Policy Review with Stratus Financial Partners is a simple and straightforward way of understanding the realities of your portfolio. It’s a way to lift the hood, check the oil, and kick the tires – so to speak.

We analyze your policy, searching for unnecessary risk and potential problems lurking on the horizon. Then, we present our findings in a one-page, easy-to-read document, so you and your advisors can make educated decisions about your future. Our Independent Policy Review ends there – it’s not a sales pitch.

An Idea of What We Might Find

There are four potentials that can be uncovered with a policy review:

  • Bad policy with a bad company
  • Good policy with a bad company
  • Bad policy with a good company
  • Good policy with a good company – breathe a sigh of relief!