What is Included in Gateway Financials Life Insurance Review and Market Study?
We open the “black box” of life insurance and provide information to policyowners so they can make informed decisions about their insurance portfolios. Gateway’s insurance review is a written report that typically includes: • Needs assessment relative to client objectives. • Detailed policy summary including a review of policy ownership and product type. • In-force re-projections of future cash values and death benefits based on to-date results compared to original expectations. • Evaluation of the underwriting class based on current medical information (to be provided by insured) and assessment of possible rate class improvements for existing policies. • Evaluation of policy charges and assumptions and their impact on performance. • Evaluation of the insurance company’s current financial ratings and outlook. • Recommendations to bring current policies in line with initial expectations, if policies are underperforming. • Evaluation of funding strategies, including third-party financing
