Overlay Insurance Portfolio Management has just released the first rationalized, independent, enterprise-level Life Insurance Policy Portfolio Overlay Management System for financial institutions and advisors, which:

• makes the insurance portfolio management process: faster, cheaper,  easier, and much more efficient,
• conserves business which might have been lost due to the new laws,
• converts commoditized Trust Owned Life Insurance administration cost centers into differentiating enterprise-wide profit centers,
• solves complex problems that the current state-of-the-art (based on a marketing organization transactional model) can't or won't,
• while increasing regulatory compliance (OCC 9 / UPIA / UPMIFA / ERISA), and reducing enterprise / portfolio risk.

Overlay Insurance Portfolio Management uses breakthrough new technology, that:

• answers tough questions, and solves complex problems that heretofore could not/ would not be answered , or solved,
• increases efficiencies / performance / investment productivity / and reduces risk, through:
• managing insurance portfolios on an enterprise- level ( not on a silo, policy by policy level)
• Leveraging Policy Hetrogeneity [dissimilarities], ( not  predominately through: increasing premiums , reducing / replacing/ or settling coverages)