LIFE INSURANCE
VALUE OPTIMIZATION

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Life insurance is an exceptional asset for creating and transferring wealth and essential to the realization of business transition, estate, and family financial goals.

It is a highly liquid, tax exempt asset that outperforms many other types of assets. Plus, when it is properly acquired and managed, the return on investment can be exceptional.

Life insurance is not a commodity

Unfortunately, because life insurance is treated as a commodity, its value has been undermined for decades. Failing to recognize the performance factors within each policy while assuming nothing need be done but pay the premiums, causes substantial underperformance and, in the worst cases, complete policy failure.

Life insurance is a buy and manage asset

Each life insurance contract is a complex asset with a unique set of performance variables. Understanding these variables when acquiring life insurance, and managing them throughout the life of the policy, results in Life Insurance Value Optimization (LIVO). Simply said, LIVO means your life insurance delivers what you need, when you need it.

Is your life insurance portfolio delivering optimal value?

Financial Confidence delivers a complimentary LIVO Analysis.

To protect your confidence, we expose any gaps, overlaps, performance issues, and potential policy failures that may exist within your life insurance portfolio.

Discover the LIVO Levers

Each life insurance contract is a complex asset with a unique set of performance variables. Understanding these variables when acquiring life insurance, and managing them throughout the life of the policy, delivers Life Insurance Value Optimization.

To ensure our clients are confident their life insurance will deliver what they need, when they need it, the Financial Confidence team uses these LIVO Levers:

#1: Verifying appropriate need, amount and time period

#2: Designing optimal ownership structure and funding method

#3: Selecting ideal product type or mix of types

#4: Ensuring the correct underwriting class

#5: Rationalizing internal pricing and crediting rates (including carrier quality ratings)

#6: Implementing an effective funding level

#7: Regular LIVO reviews

Is your life insurance portfolio delivering optimal value?

Financial Confidence delivers a complimentary LIVO Analysis.

To protect your confidence, we expose any gaps, overlaps, performance issues, and potential policy failures that may exist within your life insurance portfolio.

Experience the Empowered Confidence Process.

If you are not quite ready for a LIVO Analysis, but want to learn more about our work, simply contact us and we will schedule your Trusted Relationship conversation.

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