LIVING BENEFITS^® Portfolio Management

Methodology

The initial step in the life insurance portfolio management process is to understand our client's investment objectives and risk tolerance levels. We work with the portfolio owner to establish analytical benchmark assumptions per policy, including but not limited to, premium frequency, account value thresholds, and exit strategy. Our servicing team with over 25 years of experience in the life insurance industry reviews the life insurance contract for each serviced policy to determine underlying internal policy cost factors and lapse triggers according to policy terms. Then we project the optimum premium payment stream for each policy to maximize portfolio returns based on the benchmark assumptions.

On an on going basis we monitor premium streams of each policy based on account and surrender values from the policy statements and we determine whether changes are necessary and report recommendations to portfolio owners.