We make the process simple for you to elevate your life insurance
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How our scoring process works
We will guide you through the entire process, from review to new. You will be notified when your report is ready, and any time you want to speak to someone, we are here for you.
01
Tailoring to you
We will gather some detailed information from you, and ensure your insurance policy is tailored for you and your current lifestyle. As we learn more about you, we are able to gain insight into how effective your existing life insurance policy is in supporting you in your current goals.
02
Benchmarking your existing policy
You will need to provide us with your current policy. If you can’t find it, don’t worry, we will be in touch with your carrier to request the documents. We will provide you with insights into your current policy, measuring it against every available comparable existing policy.
03
Discovering your score
We will provide you with a financial resiliency score and a policy score. Together, these components will highlight whether you have suitable coverage or whether you need to reassess your protect and grow products in order to reach your lifetime financial goals.
Learn more about your scoreYour score changes as the industry changes, interest rates fluctuate, new products come to market, and the circumstances of life evolve. We encourage you to review your policy and your financial resilience score every 24 months. Don’t worry, we will remind you when it is time.
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What is in my policy health report?
Product profile
All the basic information on the policy, i.e. Product and Premium Type, Minimum Face Amount, Funding Strategy and Policy Pricing, resulting from the functions of 3 Factors: Cost of Insurance (COI), Expenses, Earnings.
Policy expense breakdown
Measures the present value cost per $ of death benefit and individual cost components, assuming identical funding amounts and patterns for the policy issued.
Premium loads
Calculate the minimum level of annual premium for the pay period of the policy needed to fund the policy fully for the desired period. It will make assumptions regarding net policy earnings and current expenses based on the rating of the insured in question.
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