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 - August 15, 2017

• Eurozone Industrial Output Down - According to the Eurostat statistics agency, industrial output across the 19 countries that make up the eurozone fell in June, likely illustrating the “export-sapping” impact of the rising euro.

• Consumer Prices Rise Less Than Expected - According to the U.S. Labor Department, U.S. consumer prices rose less than expected in July rising only 0.1%.

• All S&P Sectors Higher - Wall Street opened higher today, all 11 major S&P sectors, as investor sentiment was lifted by easing tensions in the Korean peninsula.

Financial and Economic Brief - August 8, 2017

• Economic Reporting Outlook - The latest reading on inflation is due out this week. It has been “persistently weak” in recent months.

• Positive Jobs Report - According to a government report, the U.S. economy added 209,000 jobs in July while the unemployment rate fell to 4.3%, the lowest since March 2001.

• Dow at Record High - On Monday, the Dow hit another record high, the Nasdaq opened “slightly” higher, and the S&P was even.

Financial and Economic Brief - August 1, 2017

• Discovery To Acquire Scripps - Discovery Communications reached a deal to acquire Scripps Networks for about $11.9 billion.

• SNAP Shares Fall - Today as markets open, shares of Snap Inc. owner of the Snapchat messaging app fell as much as 5% to a new low, below its initial public offering price, as a "share lock up" ended.

• Fischer: Weal Economy = Low Rates - The Fed's vice chairman Stanley Fischer said in a speech that interest rates aren't just low because the Federal Reserve is keeping them there but rather because of a weak economy and other factors.

Financial and Economic Brief - July 25, 2017

• Economic Outlook Looking Better - According to the Conference Board, leading economic indicators increased 0.6% in June, beating expectations which were for a 0.4% gain.

• This Week’s Economic Releases - This week’s economic reports will reveal whether growth accelerated in Q2 after a slow start to 2017.

• OPEC Caps Nigerian Oil Output - OPEC has agreed with several non-OPEC producers led by Russia to cut oil production by a combined 1.8 million barrels per day from January 2017 until the end of March 2018.

Financial and Economic Brief - July 18, 2017

• NY Manufacturing Slows - Manufacturing in New York State grew in July but at a much slower pace than June and remains at a “mostly healthy level”.

• This Week’s Financial News - This week is an “unusually” light week of economic news but does include the kickoff of the second-quarter earnings season.

• Wall Street Opens Flat - Today U.S. stocks opened flat and held steady at record levels. Analysts estimate Q2 earnings for the S&P 500 companies rose 8.1% from Q2 2016.

Financial and Economic Brief - July 11, 2017

• Job Market Better Than Expected - The U.S. job market created 222,000 new positions in June which was higher than expected and the unemployment rate held at 4.4%.

• More Sears and Kmart Closings - On Friday Sears Holdings announced that it will close eight Sears department stores and 35 Kmart locations, adding to the list of 236 stores Sears has closed in 2017

• Steel Demand Forecast Rises - European steel association, Eurofer, raised its 2017 EU steel demand forecast but said a U.S. plan to levy steel tariffs on national security grounds could be terrible for global trade flows.