Our Decision Reviews
Start with the decision in front of you
We look at the details, walk you through the tradeoffs, and give you a written Decision Brief: Keep, Adjust, Add, Replace, or Wait.
Free and confidential. Licensed agent. Call 9 AM - 5 PM MDT
Policy & Quote Analysis
Policy, Quote & Illustration Review
Before you buy, replace, or cancel a policy, find out what's legally guaranteed versus what's only projected.
This review applies to whatever is in front of you: an existing policy, an annual statement, an in-force illustration, a new quote, a replacement proposal, a premium notice, or a loan you're considering.
We examine what your coverage is intended to accomplish, compare guaranteed values against projected growth, and outline the real tradeoffs of every path. If someone recommended replacing your current policy, we verify what you give up before you make any permanent changes.
What this review covers
- What the policy is contractually required to do
- Guaranteed vs. illustrated cash values and premiums
- Deadlines, loans, withdrawals, and premium requirements
- Clear conclusion: Keep, Adjust, Add, Replace, or Wait
Business & Partnership Check
Business Continuity Funding Check
A buy-sell agreement decides who gets the business. Our review confirms the funding is actually there when it counts.
Buy-sell agreements, key-person exposures, and lender covenants often look complete on paper until a death or disability tests the funding. We review valuation formulas, key-person needs, debt guarantees, and ownership continuity agreements against your existing life policies.
We work alongside your CPA, business attorney, or banker to ensure cash flow, policy ownership, tax structures, and beneficiary designations match your real legal obligations.
What this review covers
- Buy-sell funding and valuation alignment
- Key-person loss exposure and lender-required coverage
- Policy ownership, beneficiary structures, and tax mechanics
- Whether to Keep, Adjust, Add, or Replace business policies
Underwriting & Pre-Screening
Carrier-Fit Underwriting Review
Before you submit a formal application, identify which insurers have the most favorable underwriting guidelines for your health profile.
A past rating, decline, diabetes, heart condition, sleep apnea, higher weight, or hazardous hobby doesn't automatically mean coverage is out of reach. Different insurance companies look at health and lifestyle in very different ways.
In this review, we pinpoint what underwriters actually care about before you apply. That saves you from wasted applications, surprise rate increases, or unfair declines on your record.
What this review covers
- Medical records and lab values likely to control the decision
- Carrier specialty guidelines and impaired-risk pathways
- Whether informal inquiries should be submitted first
- Actionable preparation steps before completing paperwork
Indexed Universal Life
IUL Illustration Stress Test
Stress-test indexed universal life assumptions, rising insurance costs, and crediting caps before you make a long-term commitment.
Indexed universal life illustrations can look great on paper, but they rely on projections that aren't guaranteed. You deserve to see the real numbers on past cap drops, rising insurance fees, and policy loan risks.
We test how the policy performs if market returns are lower, fees go up, or you take out loans. Our goal is to make sure your policy stays healthy over the long haul.
What this review covers
- Guaranteed contract values vs. illustrated projections
- Premium schedules, internal charges, caps, and participation rates
- Lower-crediting and higher-cost stress-test scenarios
- Loan and withdrawal mechanics, including lapse sensitivity
Term Conversion & Deadlines
Term Deadline & Conversion Check
Your policy expiration date is rarely your only deadline. Conversion rights often expire years earlier without warning.
Term policies carry contractual dates that can quietly close your options: conversion windows that expire before the term ends, steep renewal premium spikes, or employer-tied coverage that disappears when you leave your job.
We read the actual contract, map the dates that matter, and compare them against how your life has changed: health, family, mortgage, or business obligations. Contractual rights have hard deadlines: we help you act before they close.
What this review covers
- Conversion rights, product options, and cutoff dates
- Renewal rate schedules and post-guarantee premium jumps
- Life changes since issue: health, family, debt, business
- Clear recommendation: Keep, Convert, Adjust, Add, or Replace
Senior & Final Expense
Final Expense Benefit Check
Find out whether a policy pays out from day one or imposes a multi-year waiting period before you commit to monthly premiums.
Final-expense plans are often marketed as simple, but crucial details hide behind small monthly payments. We look at when the full death benefit takes effect, how long premiums last, and how much the policy actually costs over time.
We check whether you qualify for day-one level coverage or truly need a guaranteed-issue plan. If a plan is a sound fit, we say so plainly. We help you avoid overpaying for coverage you could get for less.
What this review covers
- Immediate day-one coverage vs. 2-year graded waiting periods
- Benefit amount, premium schedules, and total lifetime cost
- Health qualification to see if a lower-cost level policy fits
- Carrier ratings, financial stability, and alternative options
Not sure which review fits?
Call or book a time and describe the decision in front of you. The first conversation will point you to the right review, or tell you that you don't need one.
Free and confidential · Licensed agent · Call 9 AM - 5 PM MDT