Protect Yourself and Your Client
with a Settlement CPA
from The Settlement Masters

What is a
Certified Policy Analysis?


A Certified Policy Analysis is a comprehensive report designed to give a Policyowner the information needed to compare the benefits of keeping their life insurance to the value the policy would bring in the institutional life settlement market. The report is reviewed with the Policyowner, Insured, and Beneficiaries of the policy with sign-offs obtained from all parties. 

25 August @ 9a (PST)
Thursday

Tax Reduction Techniques

SPECIAL PRESENTATION
FOR CPAs

Learn how to eliminate taxes or reduce the tax rate to an effective single digit for clients considering the Sale of a highly appreciated business or as a result of distributing Taxable IRA to a Non-Taxable ROTH IRA.

Click Here to REGISTER

Why a Certified Policy Analysis?

When an existing life insurance policy is no longer needed, wanted or affordable, the easy conclusion is to give it back to the insurance company for the cash surrender value or “salvage value” as we like to call it; but how do you know this is the “best option” for you or if you are a trustee acting in a fiduciary capacity on behalf of Beneficiaries that it’s the best option for them?

Do not sell your policy without a
Certified  Policy Analysis

Eligibility & Estimate
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Get an Estimate

The 'Surrender Value' listed on your policy could be called the Salvage Value. 
A Settlement CPA can get you at least double the amount listed. Many clients receive up to FIVE TIMES the amount listed on their policies.

Click here to find out how much you could get.

Settlement Calculator

Why would anybody want to have a Certified Policy Analysis?

We generally see four primary reasons a sale should be considered:

New goals

New goals within your life’s plan.
we know with certainty that life is not static and comes with opportunities as well as speed bumps.
A life settlement may be a way to increase retirement assets or enable a loved one to receive an immediate benefit from proceeds.

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Outgrown need

You’ve outgrown your need for the policy.
You most likely purchased insurance when motivated by the desire to provide financial security for someone in the event of your death.
Today, because your savings are sufficient, or the family members you wanted to protect are grown and independent, you realize the protection is no longer needed.

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Underperformance

Your life insurance policy hasn’t performed as expected or projected.
Many policies sold over the past 30 years used non-guaranteed assumptions to project future policy values.
Economic conditions have surely caused insurers to reduce the earnings of the typical policy.
These same conditions may have an impact on your ability to meet the premium required to maintain the coverage on a go-forward basis.

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Change of Plans

Estate tax and business continuation plans have changed.
Life insurance is an integral component to most estate and business succession plans.
The current estate exemption of $5+ million places less emphasis on maintaining estate liquidity insurance. Business owners and executives typically maintain insurance on their lives to protect the business.
When the business is sold or the executive leaves his/her employer, the ability to convert the insurance to cash becomes extremely valuable.

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Disclaimer

The material presented herein is designed to provide accurate and authoritative information in regards to the subject matter covered. It is prepared with the understanding that we are not engaged in rendering legal, accounting or other professional services. If legal or other expert assistance is required, the services of an advanced planning attorney or CPA should be sought. Securities offered through American Trust Investment Services, Inc. Member FINRA & SIPC. American Trust Investment Services, Inc. does not offer tax, legal or accounting services. Services are offered by The Rushmore Private Client Group. American Trust Investment Services, Inc. and The Rushmore Private Client Group are not affiliated companies.

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