Insurance Services Division

 

 

R4® Insurance Services Division is utilized by business owners and accredited investorsto identify and help eliminate the financial hazards that would have otherwise harmed their families and/or business.

The firm’s primary focus is multi-generational wealth protection (funding federal estate and state inheritance taxation and transfer costs), business succession planning, key employee retention plans, and disability insurance protection.

Over the past thirty years,  R4®has crafted sophisticated Risk & Wealth Solutions® through the advanced application of the following insurance products and services:

 

¨Life Insurance ¨

¨Disability Insurance ¨

¨Annuity Income Vehicles¨

¨Long Term Care Insurance ¨

 

INSURANCE COVERAGE REVIEW:

 

All insurance contracts should be reviewed from time to time. The goal of each review should be to identify if the needs and objectives of the insured have changed, and to determine if the existing insurance vehicle is still the best way to achieve the client’s goals. If the current vehicle is no longer the most appropriate option for the client, an R4® representative will take the time to sit down with the client and explore alternative options.

 

PRICING:

Risk evaluation (underwriting) is one of the most critical components in achieving the best insurance pricing in the marketplace.  The key to receiving a more favorable underwriting offer is centered on “erasing the unknowns”. In order to accomplish this,  R4® utilizes a sophisticated proprietary process to obtain, interpret, and leverage the detailed information necessary to achieve a favorable underwriting offer (and hence favorable pricing) for our clients.
 

TRUSTEE “FIDUCIARY” RESPONSIBILITY:

Upon request, R4®  will help support the trustees’ fiduciary responsibilities, and other policy owner’s responsibilities, by conducting a formal insurance policy review.  Our formal policy review is intended to help educate the fiduciary on their responsibility so that they can make informed decisions on behalf of the policy owner, trustee, and/or beneficiary.

The insurance policy review will:

  1. Evaluate the insurance manufacturer’s financial integrity by providing current financial strength ratings from independent rating agencies, including the COMDEX Rating, and
  2. Analyze the current dividend scale and/or interest rate scale and compare them to the original point-of-acquisition illustration, and
  3. Review policy features, benefits, fees, and expenses to ensure such are still aligned with your needs.

As a direct result of our insurance policy audits and underwriting capabilities, many clients have been referred to R4® by their CPA and/or tax attorney. In fact, over the past five years, 92% of our new clients were recommended to us by their CPA, tax attorney, or one of our existing clients.

 

PRODUCT AVAILABILITY:

Some carriers have decided to remove their no lapse guarantee products from the market altogether; others have opted to significantly increase the premiums on these products or limit the guarantee period to age 90.  We are already starting to see the impact of low interest rates in 2010, and will see so even more in 2011.*    R4® believes that most guaranteed premium and guaranteed death benefit products may not be available for purchase after December 31, 2012 in their present form.

 

ACTION STEPS:

Business owners, accredited investors, and trusted advisors are invited to contact R4® to receive customized Risk & Wealth Solutions® as well as references.  Since confidentiality is at the apex of the firm’s priorities, client references will only be released with the direct permission of each respective client.  For additional information regarding the operational structure and resources of R4®, please visit www.R4RWS.com.

 

*Premier Brokerage Services, Inc., The Bottom Line, Volume 4, Issue 1.January 2011

Reproduction of this material is expressly prohibited without prior written authorization from the owner.