Already own life insurance? Have it reviewed by an Advanced Group consultant.
Policies change after they are sold: crediting rates move, insurance charges rise and needs shift. A review shows what your policy is doing today and what it is projected to do, at no cost.
Six things every policy review covers
Charges trajectory
How cost of insurance and expense charges rise with age, especially after 80.
Crediting vs. illustrated
What the policy has actually earned compared with what was illustrated at sale.
Guarantees and lapse age
What is guaranteed, and at what age the policy could lapse under current and guaranteed assumptions.
MEC status
Whether premiums have made the policy a modified endowment contract, and what that means for loans and withdrawals.
Ownership and beneficiaries
Whether the owner, insured and beneficiary structure still fits your estate and business plans.
Replacement options
Whether Express Issue or a new design would serve you better, and what you would give up.
Three documents
If you do not have them, we can request them from the carrier with your authorization.
- 1Annual statementYour most recent statement from the carrier.
- 2In-force illustrationCurrent projection of values and charges.
- 3Policy contractThe original contract, including riders.
Complete the intake sheet
The intake sheet takes about 10 minutes and helps your consultant prepare. Download the fillable PDF and send it with your policy documents, or complete it online.
Download the intake sheet
Fill it in on your computer or print it, then email it with your annual statement and illustration.
Download PDFFill it out online
The online intake sheet is on the Advanced Group site. You will be taken to advanced-corp.com to complete it.
Go to the online intake sheet ↗Pick a time that works for you
Prefer a full page? Open the booking page in a new tab or call 312-882-8717.