Are You Overpaying for Your Life Insurance?
Introducing the Life Insurance Policy Enhancement Auditor™
Did you know that just like your mortgage, credit cards, and your car loans can be refinanced with better rates and terms.... so can your existing life insurance policy.
"As your trusted advisors, we know that reviewing your existing life insurance policies is a vital part of the financial planning process. Our team has developed and easy to use auditing tool to securely and efficiently review your existing life insurance policies."
- Kara Stewart, CLTC Wealth Advisor
"She solved this short-term need and more..."
"With a year left before my retirement, I was looking for a one year term policy as I was worried that heaven forbid something happened to me, my family wouldn't benefit from the pension I had worked my entire career for.
Kara took the time to understand my overall financial situation and not only solved this short-term need, she recommended a better option that gave me tax-free growth with supplemental tax-free retirement income if I live a long healthy life. Needing to offset taxable income and capital gains or if I got sick along the way with ultimate protection for my family.
During the recent market correction, when the S&P 500 was down >30%, she reached out to assure me that not only has my investment locked in and protected precious gains, I hadn't lost $1!
This was no surprise to me, as Kara is a great advisor"
-Perry Platus, Retired Santa Rosa PD
How It Works...
It's Easy As 1-2-3!
Click the button below to be taken to a short intake form that will help us understand a little bit more about you, your current policy, and your goals
After you submit your form, we will perform an in depth analysis that will help us determine if we can help you lower your costs, increase your benefits or BOTH!
We will present you with a detailed report showing where your policy is performing well and what could be improved upon. We will also show you what else is available that could save you money, increase your benefits... or BOTH!
"I have a clear picture of my short, intermediate and long-term goals..."
"My wife and I have two small kids. I am grateful I spoke with Kara in planning for their college savings, as she showed me an alternative, more attractive option than the typical 529 plan.
She also introduced me to the ability to supplement my CalPers 457 plan with future tax-free income.
I have a clear picture of my short, intermediate and long-term goals with current and future tax savings!"
-Kevin Lew, Fire Apparatus Engineer, Sonoma County Fire District
You may be asking... (FAQs)
Why should I have my policy audited?
It is a WIN-WIN! First, you will learn if your current policy is still the best fit for you. Second, you will learn if their are new benefits, ways to reduce the cost and/or increase your coverage. You can't lose by having your policy audited.
Is my information going to be secure?
Yes, we use the latest encryption technologies to make sure your information is secure. We also DO NOT ask for social security numbers, driver's license information, or any sensitive information.
I’m older and not as healthy as I was … is paying less or getting more coverage still an option?
A lot has changed in the life insurance industry over the last five years. Changes to life expectancy, improved underwriting classifications and new benefits allow older and less healthy people to improve old policies.
If I want to change into a better life insurance policy will I have to do that on my own?
Not if you don't want to. Our team will not only analyze your current policy, but can help you step by step in changing policies if that is what you decide to do.
Who is going analyze my policy?
Only licensed advanced planning and life insurance specialists. Our team has decades of experience, staffed with financial advisors and life insurance professionals that have Juris Doctorates and Master Degrees in Accounting and hold specialized designations such as CLU®, CFP®, ChFC®, CLTC®, and CCFS®.
Are there any hidden costs or fees?
No. The Life Insurance Policy Enhancement Auditor™ is offered to life insurance policy owners at no charge.
"...retirement solutions beyond my normal Service Retirement..."
“As my wife and I prepare for retirement, we have had the sincere pleasure of working with Kara to develop additional retirement solutions, beyond my normal Service Retirement.
Our unique plan, quarterbacked by Kara, contains strategic financial scenarios that will reduce our tax obligation, protect our assets from the ongoing market volatility, and implement an Index Universal Life insurance policy tailored to meet our unique and changing needs.
Kara has been very informative, professional, and attentive to our current financial situation and we look forward to continuing to work with her in the future.
Thank you for everything, Kara!”
-Jack W. Thomas, Fire Captain, City of Santa Rosa Fire Department
Find out how much you can save
Take advantage of the major changes in the insurance industry and lower your premium payments, get more coverage, or both.
