Advisor CARES Assessment

BUILDING A BETTER LIFE INSURANCE POLICY

There are many different types of life insurance policies available today, and each has some pluses and minuses. However, none of them adequately address everything a client needs and wants. Can the death benefit be appropriately adjusted UP or DOWN with Guaranteed Insurability to match a client's fluctuating future needs? Is a comprehensive capital needs analysis that illustrates the current and future need changes part of the policy application procedure? Are the cost of insurance charges reasonable, and what about the expenses and fees? Is the policy understandable, transparent, with a full disclosure? Is the cash value truly invested into safe investments with 100% immediate liquidity? Are the policy values integrated into all aspects of a client's financial situation? Does the policy provide fair value to not only the client, but also to the advisor?

Someone Who CARESTM has done extensive research and collaborated with visionary consultants, insurance company executives, actuaries, clients, and other financial professionals to develop a new style and type of life insurance, which is registered as Interactive Advisor Life Insurance (IAL). IAL addresses all of the elements necessary to build a NEW and UNIQUE type of life insurance policy including better value for the client (policy holder) and financial advisor. It truly differentiates itself and makes all other policies irrelevant!