Once upon a time, Professional Advisors had few options regarding the oversight of their clients' life insurance policies. The choice was to either pay a fee-based specialist to review the policy, or take their chances with an insurance agent's subjective recommendations.

Robertson & Company provides a specialized analysis and remediation process for life insurance (including documentation of ongoing due diligence for the Trustee) without charging an hourly or per policy fee. We work regularly with trust companies, estate & tax planning attorneys, CPAs, and independent financial advisors to review life insurance solutions and provide clear-cut, objective expertise.

Our goal is to provide transparency in the life insurance process so the advisor and insured can make an informed decision concerning the retention or disposition of an existing policy, or acceptance of a newly proposed policy. R&Co does not sell life insurance, we rescue clients from subjective life insurance salesmen by providind objective unbiased information which may or may not support proposed coverage.

We recommend that every trust policy should be reviewed annually by a qualified third- party oversight provider, such as Robertson & Company, and should be evaluated in depth AT LEAST once every five years.

Advisors and clients often forget, in the heat of a transaction (often being pushed by a salesman), that a life insurance policy is the longest term investment they are likely to enter . . . ever - the process begs caution and reflection before action. Get a second opinion BEFORE you buy - additional information is always beneficial and can provide strong third party support to a Trustee's due diligence process.