Who We Are

We are an enterprise level overlay life insurance policy portfolio management, repurposing, and financial engineering organization assisting financial institutions and advisors with:

• making the life insurance policy portfolio management process: faster, cheaper, easier, and much more efficient,
• converting commoditized Trust Owned Life Insurance administration cost centers into differentiating enterprise-wide profit centers,
• improving regulatory compliance (OCC 9 / UPIA / UPMIFA / ERISA), and reduces enterprise / portfolio risk for life insurance policy portfolios.

What We Do

We help financial institutions and advisors manage life insurance policy portfolios on an enterprise level to: maximize efficiencies, improve performance, reduce risk, beyond that available to disparate policies; by integrating the individual policies together into and managing them as, one cohesive portfolio; using a centralized resource allocation and utilization function; then applying as many financial/investment theories and methodologies as adaptable to life insurance.

Additionally we provide trustees and advisors the decision support and the product development that answers the difficult life insurance policy portfolio management questions, and solves the complex management problems with such that the current state of art can't/won't.

How We Do It:

We integrate the life insurance policies together into and manage them as, one cohesive portfolio; using a centralized resource allocation and utilization function;
then applying as many financial/investment theories and methodologies as adaptable to insurance. 

We "Organically Leverage Life Insurance Policy Hetrogeneity sm/tm" (Dissimilarities/ Disparities), a process comprised of the following elements:   

• Internal Sourcing, meaning: sourcing portfolio-wide benefits from the lowest costing policy, such as: sourcing "mortality" ( net at risk : death benefit minus cash vale: true insurance element) from the lowest across- the -portfolio cost carrier , thereby getting the same amount of mortality coverage in the aggregate but being charged less for it

• Strategic Locationing, meaning:  putting premiums/ cash values to their highest and best use , such as by: strategically allocating new incoming premiums and/or migrating cash values to policies ( or even side fund trust accounts outside the policy) that provide highest investment productivity: creating the maximum death benefits to beneficiaries, or cost reduction to portfolio

•  Rank Ordering, meaning: using the most efficient order in selecting the  appropriate policy when withdrawing from, migrating into, terminating/settling a specific policy , such as: when rebalancing / truing up /shoring-up/ stepping-down /substituting / life settling coverages

• Going Green / Efficiency, meaning:  not wasting any policy: value, quality ,capability, such as: creating a synthetic cash value death benefit if currently Option A : level death benefit 

•  Maximizing Full Capacity, meaning: using the coverages to their maximum capacity , as/when most advantageous cross -household , such as: suspend vanishing the premium , restart paying full premium to get maximize PUA death benefit   / Functionality, meaning: extracting maximum utility from coverages , such as: accessing cash values, and repurposing death benefits for previously  unanticipated needs or goals ,

AND Capitalizing on All Rights/ Features/ Riders/ Options, meaning: taking advantage of all contract elements when " in the money" , such as: forcing death benefit increases even when uninsurable

Even Without Increasing Funding /Reducing- Replacing- Life Settling any Coverages,

When appropriate, we further optimize through External Leveraging, meaning: finding efficiencies / performance improvements/ and derisking, sourcing outside of the insurance portfolio, such as: finding third party premium financing, 1035 exchanges, liquefying policies through life settlements.    

What is the "Overlay Life Insurance Policy Portfolio Management System?"

An enterprise level life insurance policy insurance portfolio management system to: maximize efficiencies, improve performance, and reduce risk, beyond that available to disparate policies; by integrating the individual life insurance policies together into, and managing them as, one cohesive portfolio.

Overlay Life Insurance Policy Portfolio Management is the First: Rationalized, Independent, and Enterprise- Level: Life Insurance Policy Insurance Portfolio Overlay Management System, for Financial Institutions and Advisors.

Integrating the individual policies together into and managing them as, one cohesive portfolio, meaning: not viewing each individual policy discretely in isolation, rather how each policy "completes" the portfolio as a whole, such as: not being limited by how an asset allocation might be too aggressive for any policy by itself, rather allocating by how aggressive it might be within a portfolio.

Using a centralized resource allocation and utilization function, meaning: at times disconnecting premium levels remitted to carriers from premium notice amounts; dividing the aggregate budget among and within multiple policies as most efficient  

Applying as many financial/investment theory underpinnings and methodologies as adaptable to insurance, meaning: using cost / risk reduction techniques and non-securities based underpinnings for most optimum risk-adjusted returns    

Arbitraging: sourcing "mortality" (net at risk: death benefit minus cash vale: true insurance element) from the lowest across- the -portfolio cost carrier. In practice, that entails minimizing sourcing "mortality" from the highest across portfolio carrier, by "burning out the net at risk" of the highest across the portfolio carriers.

Leveraging/Portfolio Tilting: strategically allocating new incoming premiums and/or migrating cash values to policies (or even side fund trust accounts outside the policy) that provide highest investment productivity: creating the maximum death benefits to beneficiaries, or cost reduction to portfolio.