We have created two different Programs to serve our clients depending on their needs and the types of life insurance policies they hold.

The PortfolioManager^TM Program. This Program is designed to provide both an analysis of all the individual life insurance policies as well as a comprehensive, aggregate report regarding all of the policies in a client’s portfolio. Our services under this Program include the following:

• Optimization of Premium Payments. Living Wealth Advisors will annually calculate the minimum premiums to be paid that year and project the estimated premiums payable each year for the next 20 years for each policy or until the policy matures. We will also inform the policyowner of upcoming premium payments before they are due for each policy.
• Analysis and Reporting. Living Wealth Advisors will conduct a regular analysis of the estimated future financial performance of each policy and provide a comprehensive report to the client as to the results of such analysis on both a policy-by-policy basis and a portfolio basis.
• Maintain Life Insurance Company Communications. We will obtain, review and analyze regular account statements and illustrations. We will also confirm with the insurance company that your premium payments are properly credited.
• Maintain Documentation Files for Each Policy. Living Wealth Advisor will maintain a file of all material documents relating to each policy that will be accessible by the client.
• Processing Death Benefit Claims. When requested by a client, Living Wealth Advisors will assist them with promptly collecting death benefits after an insured individual dies.

The PremiumSaver^TM Program. This Program is designed to be used with smaller policies for which it is not economically beneficial to enroll them in the PortfolioManager Program. Our services under this Program include the following:

• Optimization of Premium Payments. Living Wealth Advisors will calculate the amount of premiums to be paid for the current year and project the estimated premiums payable for each of the next 20 years for each policy or until the policy matures or expires on a one-time basis.
• Analysis and Reporting. Living Wealth Advisors will provide a comprehensive report to the client as to the results of our analysis of the policy. To the extent the client has enrolled some policies in the PortfolioManager Program, this analysis will incorporated into the portfolio report as well.
• Single Review and Analysis. Unlike policies serviced under the PortfolioManager Program, we will not conduct annual reviews of a policy enrolled in the PremiumSaver Program unless and until requested by our client.
• Living Wealth Advisors’ PremiumSaver Fee. Our basic fee for each life insurance policy enrolled in the PremiumSaver Program is between $500 and $1,000 depending on the amount of premiums payable under the policy.