The Life Insurance Evaluator is a proven, objective system that ensures the best possible life insurance solution available in the market today.

The Life Insurance Evaluator applies to those who:
  • Have a Life Insurance policy that is over 2 years old
  • Are paying a premium in excess of $2500
  • Who have experienced any health or lifestyle improvements

    Life insurance assures lifestyles and provides confidence, and liquidity for family and business entities at the time when cash is most needed. The tax advantages of the death benefit and cash value accumulation makes this product a cornerstone of almost every financial plan. Yet most policies are seldom evaluated, assessed or reviewed in a manner that reflects the changing needs of the insured.

    Many existing policies are not the best possible solution available in the market today. Why?

  • Interest and dividend crediting rates have changed. Reductions in interest and/or dividend rates have caused many in-force policies to under-perform when compared to original projections.

  • Underwriting philosophies have changed. Changes in medical risk and lifestyle assessment can result in improvements in risk classification and reduce possible excessive cost of insurance charges.

  • People are living longer, and increases in life expectancies have resulted in the potential for the cost of many policies to be uncompetitive with potential for improvement.

  • The structure of the insurance industry has changed with the continuous development of new and innovative products, combined with widespread corporate mergers and the demutualization of insurers, the situation requires careful evaluation of each carriers’ offerings and financial stability.

    Fact: If left unattended, some policies may lapse or require a sizable premium increase!

    Fact: 83.5% of professional trustees have no guidelines or procedure for handling trust owned life insurance, and 95.3% have no policy statements on how to handle life insurance investments. Trust and Estates, 5/03.

    How does The Life Insurance Evaluator work?

    1.) A performance review of existing policies is conducted.

    2.) A medical risk assessment of the policy and client is reviewed to determine if there is potential for improvement.

    3.) A review of current product and planning tactics is made to find out if they are consistent with objectives and goals.

    4.) The current insurance companies financial stability is evaluated and a review of the carrier’s financials are provided.

    5.) The elements of the audit are used to develop recommendations to either maintain the current policy or move to a more optimal solution.

    Disclaimer: Life insurance contracts are complex financial instruments and should be reviewed periodically. The replacement of any product should be done only after thorough analysis of all factors. The Life Insurance Evaluator is designed to provide information needed to make informed decisions regarding life insurance contracts, and policy replacement is not the foundation of our process.

    The Life Insurance EvaluatorTM
    All client inquiries and information are held in strict confidence.

    The Life Insurance Evaluator was created by Lang Financial Group. The process was founded utilizing over 50 years of collective experience in analyzing insurance contracts for professionals and business owners. The Lang Financial Group team of experienced and credentialed professionals uses their experience in marketing and underwriting products to help clients focus on their best opportunities. We specialize in eliminating dangers and in creating a plan with a roadmap to achieve our client’s financial goals. This complimentary service is provided to selected and prospective clients.

     

    At Lang Financial, our hallmark is to answer your questions, help you explore your options and assist you in making the right decision.
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    Securities products offered through registered representatives of Walnut Street Securities Inc. (WSS), Member FINRA & SIPC. Securities activities are supervised from a WSS branch office at 4225 Malsbary Road, Suite 100, Cincinnati, OH 45242, (513) 699-2946. Lang Financial Group/Chicago is not a controlled affiliate or subsidiary of WSS.

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