In this economy, many people with insurance portfolios desperately searching for premium burden relief, trade-downs, liquidity, rescues, or even optimizations, are attempting to restructure insurance portfolios on their own.

The problem is: people are not equipped to navigate around the minefield of obstacles they will encounter, such as: institutional resistance to altering existing coverages / tax traps / third party beneficiary conflicts/ and improper ordering when pruning coverages, only successfully negotiated by independent restructuring specialists possessing multidisciplinary expertise and an intergenerational focus.

When attempting to restructure on their own they will be hurt; losing value, quality, and capability, won’t get results in the utmost reliable manner, nor left in the position they want.

In some cases, needing guidance for the qualified plans, or estate planning tools/ instruments/ vehicles/ entities, in which the coverages are intertwined is keeping people from restructuring the insurance portfolio.