At Living Wealth Advisors, we help our clients better understand their existing life insurance policies and to manage their premium payments in order to maximize their long-term financial goals.

Investors and their professional advisors regularly review and actively manage the wide range of assets held in their portfolio of investments. Many institutions and charities have substantial amounts of life insurance held for their benefit; however, few of these institutions and charities or their professional investment advisors realize that they similarly can manage their portfolio of life insurance policies to substantially enhance their return on these assets.

Living Wealth Advisors analyzes our clients’ current life insurance policies and recommends optimized premium payments that will result in the maximum financial gain from those policies and the funds to be used to pay premiums. We provide our clients with a thorough explanation of the current status of their policies, projected values of those policies at designated intervals, and the options available to optimize the premium payments for those policies. By utilizing the information we provide, our clients can realize long-term financial benefits of up to 30% of the face amount of the life insurance policies held for their benefit. Living Wealth Advisors can provide this analysis to you on both a policy-by-policy basis and for your entire portfolio. An example of the potential benefits from our analysis in connection with a small portfolio of life insurance policies is shown on the following page.

Living Wealth Advisors provides analytical and advisory services to our clients and their current advisors regarding the life insurance policies held for their benefit. Living Wealth is not seeking to sell you a new insurance policy or to change any of the terms of the policies you currently have, and we do not sell or solicit investments of any kind. Rather, Living Wealth aims to give our clients and their professional advisors additional information relating to their current life insurance policies so that they can make fully informed, educated decisions about how to best manage those assets. We are not promoting a premium finance program or any other arrangement that would lower the amount of death benefits to be received upon the death of any insured individual.

We invite you to review our services and see if our premium management programs are right for you.  If so, please send us an e-mail at info@livingwealthadvisors.com to explore becoming a client today.  If you’re interested in our services, but you want more background information, please visit our Premium Management and Insurance Basics sections for more information about our services, how life insurance policies work and the types of policies best suited for premium management.

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