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Client Profile:

Policies Acquired 5-10 Years Ago
Insured is in Similar Health

Problem:

Client, age 59, has 15+ life insurance policies in place for business and personal purposes. The policies were acquired throughout the years without a clear plan or purpose. Client wishes to reduce premiums for the same death benefit or possibly increase the current death benefit for the same premium commitment. Most of the policies in place today are whole life policies, with performance subject to a non-guaranteed dividend.

Solution:

Heirmark completed a comprehensive audit of the existing policies to evaluate performance and identify alternatives. The client went through our signature underwriting process, and we negotiated several preferred offers and one best class offer on his behalf. After extensive analysis, we identified a myriad of product options (including whole life products) that could accomplish either goal of premium reduction or increased death benefit. For example, for the business owned coverage, we ca reduce the premium outlay by over 30% with the same product type, just a different insurance carrier.

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We joined M in 2009 to provide our clients products priced exclusively for them.

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Disclaimer

HEIRMARK, LTD and its agents are presently licensed to sell traditional life insurance in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA, TX and VT

NOTE: HEIRMARK, LTD Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service. Variable life and annuity products, as well as other securities products, may be sold in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA and VT. Securities products are offered to residents of the above listed states. Residents of other states should consult with a local registered representative for securities products.

 

Securities and Investment advisory services offered through M Holdings Securities, Inc., a registered broker dealer, member FINRA/SIPC. HEIRMARK, LTD is independently owned and operated. HEIRMARK, LTD is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

For important information related to M Securities, refer to the M Securities’ Client Relationship
Summary (Form CRS) by navigating to https://mfin.com/m-securities.

Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.

5493702.1


Heirmark®  Logo
  • Working with Heirmark
    • Overview
    • Our Philosophy
    • Underwriting Edge
    • Service Commitment
    • M Financial Group
    • Clients
    • Partnering With Us
  • Services
    • Overview
    • Business Planning
    • Personal Planning
    • Insurance Policy Audits
    • 20/20 Insurance Reviews
    • Life Settlements
  • Strategies
    • Overview
    • Personal
    • Business
  • About Us
    • Overview
    • Process
    • Our Team
  • News
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