Pivotal Life Capital Valuation Services
Welcome to Pivotal Life Capital
Evaluating the value of a policy is a crucial aspect of a comprehensive financial strategy. Regularly conducting reviews can determine if the policy is aligning with expectations and fulfilling financial goals. Several factors come into play that could influence the effectiveness and appropriateness of a life insurance policy.
Periodically reassessing your client's life insurance plan is essential to ensure both the product and planning objectives remain on track.
Common motives for conducting routine evaluations of life insurance policies include:
- Evaluating funding adequacy
- Monitoring potential increases in insurance costs
- Considering a more favorable replacement policy
- Assessing carrier ratings
- Addressing policy maturity risks
Pivotal Life Capital offers complimentary life insurance policy assessments for advisors and their clients. The Fair Market Value (FMV) is determined using real-time impairment analysis to gauge duration risk, along with current discount rates, generating results within 24 hours.
Crucially, there's no cost to you or your clients. Without intermediaries, clients bypass additional fees associated with third parties, ensuring they receive the full cash payout. At Pivotal Life Capital, our foremost objective is to secure the highest attainable payout for our clients. Discover more about our offerings here.
The FMV provides advisors with an alternative appraisal of your client’s life insurance when encountering situations like:
- Business valuations
- Resolving business disputes involving buy/sell agreements
- Mergers and acquisitions or bankruptcy scenarios
- Transferring a policy between entities
- Concluding a split-dollar arrangement