Insurance Portfolio Analysis

Many of our clients came to us unaware that they had coverages that are in jeopardy of lapsing earlier than expected, that are no longer needed due to changing financial objectives, or that they are simply overpaying for. Our process is designed to uncover both hidden pitfalls and potential opportunities within your life insurance, disability, and long-term care portfolio. Your existing policies undergo all applicable analysis below:

Stress Testing

We make sure your policies can withstand a number of the applicable adverse scenarios here:

  • Low interest rates
  • Market volatility
  • Dividend changes
  • Internal expense changes
  • Life expectancy changes
  • Funding limitations or funding pattern changes

Stress
Testing

Pricing
Analysis

Pricing Analysis

Pricing on term products and certain universal life products is always changing. Historically, pricing has went down over time. Unnecessary insurance premiums can be used to fund your other financial desires.

Guarantee Period Analysis

For plans that were taken out with an expected guarantee period it is important to make sure that period is intact as originally expected. Things like late premium payments, missed payments, or bank draft date changes can alter a policy’s guarantee period.

Guarantee
Period Analysis

Business Planning
Effectiveness

Business Planning Effectiveness

It is very important that coverages for business planning are as tax efficient possible and:

  • Keep up with changing company valuations
  • Reflect the current ownership structure
  • Provide desired benefits and retention strategies for key employees

Download our complimentary guide today!

You’ve probably been planning for retirement in some way, shape, or form for many years. Maybe you participate in your company’s 401(k) plan or set aside money in a traditional or Roth IRA. Maybe your employer offers a pension plan. As you get closer to retirement, it’s important to plan for your retirement income in specific detail.

877.331.1217

Fax: 402.502.0814

14301 FNB Pkwy Ste 210,
Omaha, NE 68154

101 Timbercove Rd
Marquette, NE 68854

Trinity Financial Group, Omaha

877.331.1217
Fax: 402.502.0814

 

14301 FNB Pkwy Ste 210,
Omaha, NE 68154

Trinity Financial Group, Marquette

877.331.1217
Fax: 402.502.0814

 

101 Timbercove Rd
Marquette, NE 68854

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