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Prolonged low interest rates have pressured insurance companies to seek new avenues to increase profitability. In addition to raising the cost of new policies and reducing their contractual guarantees, several major insurance companies have increased mortality costs on existing coverage.
In these cases, the projected duration of the policies will be shortened, and policyholders will be required to pay significantly increased premiums to be certain their policies will last their lifetimes. These challenges have become more problematic when larger estates and corporate insurance arrangements are involved.
Several insurance companies are making foundational changes in the way they conduct business which could have an adverse impact on your clients’ policies. For example, some companies have sold large blocks of business to non-insurance entities which may not be equipped to properly manage in-force policies.
With years of experience reviewing thousands of complex insurance arrangements, Churchley Financial Group has the expertise and proprietary analytical tools to evaluate your client’s policy and the strength of the life insurance company that is guaranteeing the policy.
With each policy analysis, you and your clients will receive a detailed, written report with recommended action steps. The results are often surprising, always enlightening, and enable you to give your clients and trustees peace of mind.
CHURCHLEY FINANCIAL GROUP LLC
3000 Lawrence Street
Denver, CO 80205
T: 303.468.2100
SECURITIES OFFERED THROUGH VALMARK SECURITIES, INC. MEMBER FINRA, SIPC. INVESTMENT ADVISORY SERVICES OFFERED THROUGH VALMARK ADVISERS, INC. A SEC REGISTERED INVESTMENT ADVISOR, 130 SPRINGSIDE DRIVE, AKRON, OHIO 44333. 1-800-765-5201. CHURCHLEY FINANCIAL GROUP, LLC IS A SEPARATE ENTITY FROM VALMARK SECURITIES, INC. AND VALMARK ADVISERS, INC.
ANY TAX ADVICE CONTAINED HEREIN IS OF A GENERAL NATURE AND IS NOT INTENDED FOR PUBLIC DISSEMINATION. FURTHER, YOU SHOULD SEEK SPECIFIC TAX ADVICE FROM YOUR TAX PROFESSIONAL BEFORE PURSUING ANY IDEA CONTEMPLATED HEREIN. THIS ADVICE IS BEING PROVIDED SOLELY AS AN INCIDENTAL SERVICE TO OUR BUSINESS AS INSURANCE PROFESSIONALS.