Our Mission
Addressing the Hidden Crisis
in Life Insurance
Permanent life insurance policies often face critical issues without regular review
Policy Risks
- Insufficient premium funding
- Expiration of no-lapse guarantees
- Rising cost of insurance charges
Performance Impacts
- Lower-than-expected crediting rates
- Cash value volatility
- Gaps between actual and illustrated performance
Purpose & Design
- Policy may not match current needs
- Coverage may be insufficient
- Features may no longer align
Strategic Life Insurance Policy Management
Just as investment planning involves regular portfolio rebalancing and performance monitoring, life insurance planning benefits from consistent review to ensure policies perform as expected and align with current needs. Regular policy assessment allows for timely adjustments, similar to how investment portfolios are optimized through strategic reallocation.
Key considerations include:
Life Event Updates
Adapt coverage for changing circumstances
Design Alignment
Ensure policy matches current objectives
Premium Adequacy
Verify premium funding meets policy requirements
Performance Analysis
Compare actual results to illustrated projections
Cost Efficiency
Assess policy expenses and effectiveness
Loan Management
Monitor impact on values and benefits
Tax Compliance
Review MEC status and tax implications
Policy Documentation
Track policy status and review findings
The Challenge
Traditional policy reviews demand significant time and expertise:
- Time-Consuming Analysis
Hours analyzing illustrations and data
- Technical Complexity
Complex technical interpretation required
- Reporting Burden
Time-intensive client reporting process
- Inconsistent Standards
Lack of standardized review methodology
The IP-AI Solution
Transform policy reviews into a 5-minute process that delivers:
- Instant Analysis
Rapid, consistent analysis in minutes
- Clear Insights
Actionable recommendations and key findings
- Professional Reports
Polished client-ready documentation
- Practice Enhancement
Streamlined workflow and improved efficiency
The IP-AI Solution
Transform in-force policy reviews into a streamlined process:
Upload Illustration
- Drop your in-force illustration
- Add your email
AI Analysis (5 Minutes)
- Advanced policy review
- Comprehensive metrics analysis
- Risk assessment
Receive Reports
- Technical summary for you
- Professional client letter
- Both delivered to your inbox
That's it. No questionnaires, no extra steps. Just upload and get your analysis in 5 minutes.
Sample Reports
Policy Review Advisor Analysis
- Advisor Report
- Comprehensive Policy Review
- Action Items
- Performance Metrics
Policy Review Client Summary
- Client Report
- Clear Explanations
- Key Findings
- Next Steps