According to life insurance industry statistics, a majority of Trust-owned life insurance policies are no longer performing as originally projected. This is largely due to historic low investment performance combined with a lack of ongoing oversight by the agent's who originally placed the business. Consequently many of these policies are now in danger of lapsing before reaching the insured's life expectancy unless some degree of adjustment or remediation is performed.

Robertson & Co. introduces a new objective business philosophy that optimizes the client's position by minimizing variable costs and maximizing contract values within the regulatory filing of each product. Robertson & Co. applies this philosophy when performing due diligence evaluations on these Trust-owned policies, and provides the associated documentation at no cost to the client or advisor. 

Robertson & Company's business process starts with a review of the original Trust with the advisor, and whether the situation has changed. Next is an in-depth analysis of all existing policies held in Trust.

·         Robertson & Co. develops a summary of the current status of each Trust-owned policy projecting future performance based on the most recent data from the carrier. 

·         Next, this summary information is placed in a competitive spreadsheet analysis compared with an array of high-performing products with strong elements of contractual guarantee.

·         This allows the advisor and client to study overall projection data based on a combination of objective criteria, such as: overall cost, carrier financial ratings, projected contract values, etc. 

·         Robertson & Co. will then implement the preferred course of action selected by the advisor and client whether that requires tweaking or cancelling the current policy, and / or replacing with a new contract.

From that point forward, Robertson & Co. will maintain ongoing oversight of all policies in the advisor's Trust portfolio AND will vet all new coverage proposed for existing or future Trusts before acceptance by the Trustee. This due diligence process minimizes advisor risk and maximizes client value.

Robertson & Co.'s convenient website and knowledgeable support staff are equipped with the insurance, legal, and financial resources to handle all follow-up questions that may arise.

Robertson & Co. provides access to policy data and information throughout the life of the contract on all policies. Simply contact us or log in to the member section to securely access your clients' policy information on our website. These services and customer support are provided at no additional cost to advisor or insured.