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 - January 7, 2020

• Consumer Confidence Dips - According to The Conference Board, U.S. consumer confidence “dipped slightly” in December. The metric came in at 126.5 for the month, down from 126.8 in November.

• Oil Prices Rising - Oil prices rose over 1% on Monday, pushing Brent above $70 a barrel.

• Gold Highest in 7 Years - Global investors are going into safe haven assets as fallout continues from the U.S. killing of Iran’s top general, Qasem Soleimani.

Financial and Economic Brief - December 3, 2019

• Moderate Growth in Q3 - The U.S. economy grew at a moderate 2.1% rate over the summer, slightly faster than first estimated.

• OPEC to Deepen Cuts - OPEC and its allies plan to deepen oil cuts and have the deal in place so it runs at least until June 2020.

• Tariff Threat Renewed - President Trump announced that the U.S. will “restore” steel and aluminum tariffs on Brazil and Argentina, citing a “massive devaluation of their currencies.”

Financial and Economic Brief - November 5, 2019

• Consumer Confidence “Dips” - U.S. consumer confidence fell slightly in Oct. to 125.9 from a Sept. reading of 126.3 as worries over business conditions & employment prospects rose.

• Gannett and New Media Investment Group - Gannett reported its 3rd quarter earnings noting a continued decline in overall revenue but pointed to an increase in its marketing services & digital subscriptions.

• U.S.-China Trade Optimism - Technology stocks pushed the 3 main indexes to record highs, as hopes of a U.S.-China trade deal & an improving domestic economy raised risk appetite.

Financial and Economic Brief - October 8, 2019

• Unemployment Rate Falls - Unemployment hit a 50-yr. low in September even though nonfarm payrolls rose by just 136,000 as the economy nears full employment.

• Impeachment and the Stock Market - The launch of an impeachment inquiry into President Trump tosses another wild card into a volatile stock market.

• Trade Talks Underway - U.S. & Chinese deputy trade negotiators launched a new round of talks on Monday aimed at resolving the 15-mo. trade war, with neither side showing any signs of giving ground.

Financial and Economic Brief - September 4, 2019

• Recent Jobless Claims Fall - Initial claims for state unemployment benefits dropped to 209,000 for the week ended August 17, 2019, falling sharply from the week before.

• Brexit Crisis Still Uncertain - British lawmakers will try to stop Boris Johnson from pursuing what they cast as a “calamitous no-deal Brexit”.

• New Wave of Tariffs in Trade War - The new tariffs are a sharp escalation in the trade war, and could cost U.S. households $800 a year.

Financial and Economic Brief - August 6, 2019

• Economy is Steady - The economy added 164,000 nonfarm payrolls in July, as expected. Wages rose 0.3% in July, or 3.2% year over year.

• Yuan Falls - The yuan fell 1.4% which breached the key 7-per-dollar level for the first time since 2008.

• HSBC CEO Out - HSBC chief John Flint is stepping down after less than two years on the job.