The Process
Three stages. One clear answer.
A 10-minute Decision Triage, a document-based review where the details matter, and a written Decision Brief you can keep. Free, private, and entirely on your schedule.
- Stage 01
Decision Triage: 10 minutes
Call the Decision Line when it suits you. We identify the decision you're facing, why it matters now, what information controls the answer, and whether the issue can be clarified immediately or needs documents. No application begins during Triage unless you request it.
- Stage 02
Document-based Decision Review
Where the answer depends on the details, we request your policy, current statement, in-force illustration, or the proposal you were shown, using a secure process. Then we separate guarantees from assumptions and compare the alternatives, including replacement implications.
- Stage 03
Your written Decision Brief
You receive a concise written summary: what was reviewed, what is guaranteed versus projected, material deadlines, tradeoffs, and a clear conclusion: Keep, Adjust, Add, Replace, or Wait, along with the next step.
The Triage and the full review are free and come with no obligation to buy, replace, or change a policy.
Every review ends with a written Decision Brief
Plain language, yours to keep: Keep, Adjust, Add, Replace, or Wait, with the next step.
Before We Talk
What to have handy
These details help us make the conversation more specific, but none is required to place the call.
A policy, statement, or illustration
The current policy, a recent annual statement, an in-force illustration, or the quote you're considering, whichever applies.
Any deadline or notice
Conversion provisions, lapse or premium notices, and policy anniversaries can control which options stay open.
The questions you want answered
Bring the concern that prompted the call, even if it is simply, “Does this make sense for me?”
You Stay in Control
What we won’t do
A second opinion should reduce pressure, not create more of it.
No application in Triage
Unless you request it
Keep or Wait is fine
We may recommend no change
No surprise calls
You control the time
Free · No obligation
Get a clear answer before you decide
Start with a 10-minute Decision Triage. Your second opinion is free, with no obligation and no follow-up you did not request.