Life Insurance Portfolio Management

Life insurance represents substantial family and business capital. It is tied to complex lifetime financial strategies, integrating personal and business philosophies, capital management goals and objectives, financial and tax circumstances.

It has become an actively managed asset - not simply a contract in a file cabinet. Most policyholders do not realize the opportunities they may be missing by leaving it there.

Life insurance offers advantageous flexibility

Policyholders have choices in policy design that can enhance performance and offer protection guarantees*.

Life insurance enjoys unique tax structure

Not only does capital grow income tax-deferred inside a life insurance policy, it creates income-tax free multigenerational capital in the form of the death benefit - and can be estate tax-free with the right ownership structure.

Life insurance has favorable cost factors

Life expectancy is the primary driver of the cost of insurance, so current longevity trends have lowered costs for policyholders and created new strengths for life insurance as a capital management tool.

Obtaining the data you need to manage these policy components is not easy because for now life insurance administration remains a paper process to protect consumers and issuers against potential fraud.

The most effective policy information is an in-force illustration. Assuming you knew where and how to request one, you would first have to wait for a paper copy to reach you. Then, assuming you could interpret the data, you would learn the present value of your policy with projections going forward.

But that's too much assuming so here is a better way to manage your life insurance portfolio. We bring a broader perspective and deeper insight to Life Insurance Portfolio Management.

First, we take into account all the changes your family and your business have experienced. Circumstances and needs change. Personal goals and timeframes change. Financial and tax positions change. And the financial landscape and the life insurance environment change. Every change can have an impact on your life insurance portfolio.

  • We evaluate your existing policies for suitability to see if they still track with the objectives you set when you bought them or even last year.
  • We analyze your existing policies for performance measures to see if they are meeting, exceeding, or falling short of projections and remain cost effective.
  • We examine company performance to make certain their financial strength continues to align with their guarantees*.
  • We compare existing policies to new policy choices to determine if there are more efficient ways to achieve the same goals.
  • We look for underwriting issues to determine if changes in health changes in underwriting standards could impact policy management decisions.

Life Insurance Portfolio Management combines these big picture issues with all the details driving life insurance value; in other words, the family and business capital held in policies in relation to your wealth transfer, wealth management, corporate benefits, and business transition planning.

This is what our knowledge and experience will mean to you over your lifetime and into the lifetimes of the generations that follow.

*Payments of guaranteed principal and income, as well as living and death benefit guarantees are contingent upon the claims-paying ability of the issuing company.

Office Location

DavisWalker, Ltd.

9100 Arboretum Parkway
Suite 260
North Chesterfield, VA 23236-3493
ph: 804.560.8082

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News Updates

Financial and Economic Brief - October 4, 2018

• Economy Looks Good - Following Jerome Powell’s description of the U.S. economic outlook as “remarkably positive”, people are wondering how long this “rosy” period might last.

• Canada, Mexico, U.S. New Trade Deal - Canada has agreed to join the U.S. and Mexico in a trade deal that will replace NAFTA, according to officials.

• Honda Takes Stake in GM - Honda Motor Co will invest $2 billion & take a 5.7% stake in General Motors' Cruise self-driving vehicle unit, to jointly develop self-driving vehicles for deployment in ride services fleets around the world.

Financial and Economic Brief - September 4, 2018

• New NAFTA Deal without Canada? - The Canadian dollar fell against the U.S. dollar after President Trump said the U.S. and Mexico could move forward without Canada in a new NAFTA deal.

• China Lures Talent from Taiwan - A veteran engineer of one of Taiwan’s top-tier chipmakers took an offer from a Chinese state-backed chipmaker last year and now oversees a small team in eastern China.

• Tesla’s Stock Price Forecast Slashed - JP Morgan Chase cut its price target on Tesla, causing its shares to briefly tumble.

Financial and Economic Brief - August 7, 2018

• 5% Treasury Yield Warning - JPMorgan Chase & Co. chief executive officer, Jamie Dimon, warned investors that they should get ready for U.S. yields of 5 percent.

• Oil Rises after Production Falls - Oil rose on Monday after Saudi crude production fell in July and U.S. drilling appeared to slow down, although the price is still almost 10 percent below its 2018 high of more than $80 a barrel.

• Pepsi Co. CEO Stepping Down - Indra Nooyi, PepsiCo. CEO, is stepping down but will remain as chairwoman of the board of directors until early 2019.

Financial and Economic Brief - July 3, 2018

• Consumer Sentiment Rises - Chief Economist for The University of Michigan's survey Richard Curtin said one-in-four consumers mentioned the potential negative impact of tariffs on the domestic economy.

• ADM in Talks with Neovia - Archer Daniels Midland Company (ADM) is in talks to take over French animal feed business Neovia for 1.5 billion euros ($1.75 billion) in order to expand in the animal nutrition sector.

• Tesla Meets Production Target - Tesla's first mass production vehicle missed two Ņambitious' production targets, but Musk promised investors that the company would make 5,000 Model 3s per week by this time of year.

Financial and Economic Brief - June 26, 2018

• Harley-Davidson Moving Some Production Overseas - The EU launched tariffs on American imports like bourbon, peanut butter and orange juice on Friday.

• Oil Prices Fall - Brent crude oil fell by more than 1% today as investors prepared for an extra 1 million barrels per day (bpd) to hit the markets after OPEC and its partners agreed to raise production to “stop the gap” between supply and demand.

• SEC Probes Earnings per Share - The SEC is investigating whether publicly traded U.S. companies have been rounding up their quarterly earnings to the next highest cent.