Review of Existing Life Insurance Portfolio

In this phase of the planning process, we take an in-depth look at a client's current life insurance holdings to ensure coverage is sufficient, beneficiary designations are up to date, and policy performance is acceptable. Our independent review includes:

  • Evaluating the amount of life insurance needed and the type of coverage needed, based on current objectives, liquidity needs and planning structures.
  • Providing detailed life insurance portfolio summary by owner/beneficiary, insured or premium payor.
  • Providing updated policy performance summaries on existing life insurance coverages.
  • Identifying ownership, beneficiary, and payor considerations in order to align life insurance with the overall plan.
  • Analyzing diversification of life insurance portfolio in terms of
    percentage of coverage with life insurance carriers and types
    of products.
  • Reviewing split dollar documentation and tax consequences.
  • Designing an optimal portfolio structure utilizing variable life sub-accounts.
  • Identifying portfolio asset allocation/diversification to increase the probability of obtaining the required rate of return.

 

Securities offered through M Holdings Securities, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services offered through Molewski Financial Partners. Molewski Financial Partners is independently owned and operated and is a member of M Financial Group. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. Disclaimer

The principal place of business and the state of domicile for Molewski Financial Partners is: 100 Gateway Drive, Suite 300, Bethlehem, PA 18017. Phone: 610-865-2600.

Copyright 2008 Molewski Financial Partners

Proper state registration is mandatory prior to conducting business in any state.

Variable life and annuity products, as well as other securities products, may be sold in AZ, CA, CT, DE, FL, IL, MA, MD, NH, NJ, NY, PA, AND VA. Residents of other states should consult with a local registered representative for securities products.

Molewski Financial Partners is presently licensed to sell traditional life insurance in PA, NJ, FL, NY and CA (Michael D. Molewski, California license number 0826974). Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance services.