The Life Audit Service provided by Ash Brokerage

1. Best Time Consumer Guide to the
Life Insurance Audit
SM
Consider a Life Insurance Audit when:
✓ Need for life insurance has increased
or decreased
✓ Low crediting rates have affected policy
performance
✓ Higher premiums or an increased
premium payment
✓ Improved health, qualifying you for a
better rating
✓ Family or business situation has changed
✓ Loans, withdrawals or other changes have Ron Doerksen
affected policy performance Sustainable Finances
Life and Health Insurance
✓ Policy premiums have not been paid Financial Planning
as planned O (360) 306-5642
C (360) 325-6486
F (866) 573-1014
sustainablefinances@comcast.net
Ash Brokerage
Seattle Office
720 Olive Way Suite 1050
Seattle, WA 98101
(866) 870-2539
LI-4002 | Rev. 04/11
© 2010 Ash Brokerage Corporation
Brokerage Services provided by Ash Brokerage Corporation (800) 589-3000

2. A Life Insurance Audit may: The Life Insurance Audit Process
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Increase death benefit A Life Insurance Audit provides a comprehensive
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Lower premiums evaluation of current coverage:
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Extend coverage duration n
Review of the in-force policy relative to
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Increase projected cash accumulation current needs
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Ensure financial strength of carrier
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Analysis of whether existing coverage
Bring insight to your life still meets your needs or if funding should
be adjusted
The value of a Life Insurance Audit A Life Insurance Audit offers an excellent
opportunity to step back and examine your
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Investigation into possible improvements
Your life insurance policy is one of the financial situation to ensure your coverage in your medical underwriting class, based
most valuable assets you own. When you meets your current needs. on current health and recent medical
purchased it, you probably made certain underwriting classifications, ensuring
assumptions about future needs, interest proper policy expense management
Your advisor will:
rates, planned premiums and other Analysis of your policy’s performance,
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Evaluate your original and current goals n
considerations. compared to illustrations provided at the
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Discuss how/if your current policy fits
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Gather information and current illustrations time of the sale
While the original reason may still exist, your n
Help you determine if your policy is n
Assessment of the financial stability of the
needs may have changed, requiring more or
on track current life insurance carrier
less coverage … life constantly changes. n
IF not, recommend changes to bring it
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New family situation n
Review of new products or riders that may
up to date.
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Different career enhance coverage
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Shift in financial status Easy-to-understand list of options
Once all information is received, your n
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Change in health
advisor will review the findings with you. n
Decision-making support from a
… and many others
If changes are needed, suggestions to adjust Life Insurance Audit professional
your current policy or alternatives to help you
A comprehensive evaluation of your life
reach your goals will be made. Your advisor
insurance coverage confirms whether the
will also review your medical history to
choices you made years ago still make sense,
ensure your policy changes are being
and most importantly, if the policy you own is
properly managed.
the most efficient policy available today.