Policy Review
The Illustration You Bought Is Not the Policy You Own.
A policy review pulls a current in-force illustration on an existing permanent policy and stress-tests it against today’s reality — today’s crediting rates, today’s cost-of-insurance charges, today’s carrier financial strength. Most permanent policies sold before 2015 were illustrated at interest rates and dividend scales that no longer exist. Many are now meaningfully behind their original projections, and the policy owner has no idea. The review is the no-pressure deliverable that reveals where the policy actually stands — and what, if anything, to do about it.
Begin a conversation →Three findings. One honest answer.
A review produces one of three results. None of them is a sales pitch. The point is to know where the policy actually stands — and the right action follows from that.
The policy is performing. No action needed.
Current crediting rates and cost of insurance are running close to original projections. The policy is doing what it was sold to do. Sometimes a review confirms the original advisor got it right.
- Cash value tracking original illustration
- Carrier financial strength still strong
- No restructure or premium change needed
Underfunded relative to original assumptions.
Crediting rates fell, costs of insurance rose, or both. The policy is on a trajectory to lapse early or underdeliver. Caught now, almost always fixable — through additional premium, restructure, or rider activation.
- Underfunded against current rate assumptions
- Often fixable with an in-policy adjustment
- Earlier the catch, smaller the fix
The plan changed. The policy didn’t.
The policy still works, but the original goal no longer applies. The kids are grown, the estate is structured differently, the cash value would do more elsewhere. Time to redeploy.
- 1035 exchange to a more appropriate structure
- Life settlement if the policy has resale value
- Surrender or paid-up reduction in some cases
Most permanent policies sold before 2015 are behind their original projections.
If any of these describe your situation, a policy review is the no-pressure way to find out where the policy actually stands — and what, if anything, to do next.
- i. You own a permanent policy sold ten or more years ago and haven’t seen a current in-force illustration.
- ii. The original agent who sold the policy has retired, moved firms, or simply lost touch.
- iii. You’re paying premiums on a policy you haven’t actively thought about in years.
- iv. You suspect the policy isn’t performing the way it was originally illustrated — but no one has shown you the math.
A no-cost policy review, run by Remain advisors.
Remain advisors review your latest carrier statement and stress-test your in-force illustration against the original, at no cost — the standard entry point to a long-term advisory relationship, regardless of which finding the review produces.
Request a review, or speak with a Remain advisor directly.