The Fee Advisors Network is now releasing the complete Life Analyzer™software; a total system to analyze, reconstruct and present UL and VUL policies as they should be - with full disclosure and true functionality.

For VUL policies, our unique breakthrough methodology calculates the true Cost of Insurance and will then allow you to select an index or portfolio for Historical Back Testing. You can take any three time frames from any period starting as far back as 1926.

The Life Analyzer™ then locks in the true COI’s of the policy and applies the selected market cycles forward, to bring greater clarity of assumed growth and the impact on policy performance. The comparison between the “illustrated” values, adjusted for actual COI’s, and the performance of the three time periods selected will be charted out for review.

The copyrighted calculations provide a true “peek” into that proverbial “Black Box” to reconstruct a substantive scenario. The fiduciary process that is now mandated in our new venue of responsibility is to substantiate any recommendation with documentation.

Fact:

1. Every advisor knows (or should know) that the illustration calculates the assumed rate-of-return (ROR) on a basic compounding of a static percentile. For example, if the illustration assumes a Net ROR of 8.95%, the internal calculations of the software compounds the cash value as you would with a compound interest rate chart.
2. Every advisor admits that this is inaccurate, since the market does not perform that way.
3. Illustrations require a “worst scenario” calculation based on a Zero (-0-) market performance (with maximum contract charges) as a “static flat” scenario.
4. Every advisor admits that this is inaccurate, since the market does not perform that way. In reality, the “worst scenario” is when a market has experienced negative periods.

With the “fiduciary” thing hanging over our head or designation, what are we to do? Can any of us be challenged when a policy doesn’t perform because we, as advisors, knew the data was inaccurate in the illustration? Can we point to the many vague caveats as a defense?

Consider:

1. The VUL is sold as a concept, supported by an illustration.
2. The Illustration is a “Point-of-Sales” tool.
3. The client has to sign-off on the illustration and all of the (often brushed aside) caveats.
4. We have also actively used these illustrations for comparison purposes or to quasi-analyze different policies.

In regard to the” illustration”, we have all either sold “it”, recommended “it”, analyzed “it”, made money on “it”, had “forums” and discussions on “it” or written about “it”. Consumers ask us for “it”. And up until now, we were compromised by “it”.  

The VUL is a great planning tool. Now the advisor can develop and present a VUL in the way “it” may function and perform in the Real World of market cycles!!!

This system can be used for VUL Single and Survivorship Life and UL Single and Survivorship Life. 

We are now scheduling a demo of sample cases with our Life Analyzer™ program.

The deliverables for licensees are as follows:

1. Provides fiduciary process for life policy analysis and/or presentation.
2. Establishes distinction and differentiation of advisor/firm from others.
3. Creates a unique “branding” opportunity for the advisor/firm.
4. Establishes credibility for Risk Management beyond that offered by competitors.
5. Initiates additional fee revenue and transfer of assets.
6. Powerful cultivation for Centers-of-Influence.
7. Geographical territorial protection of exclusivity.

This demo will also cover discussion on how to charge fees for insurance planning and implementation and how to establish your recommendation of action.

Registrations per session are limited.

Life Analyzer™ is available exclusively through the Fee Advisors Network.

To schedule a session, please e-mail, or call the Fee Advisors Network at (248) 524-4140.