Why Conduct a RMA Policy Review?

Would review a mortgage to see if you are getting the best rates? Would you check a stock portfolio and adjust the mix as time goes on? So why do so many people overlook opportunities to maximize an investment in the insurance market?

When you purchased your life insurance policy or annuity, you invested in a financial plan designed to last a lifetime. However, this lifetime coverage should not be put aside and forgotten. The strength and performance of your life insurance or annuity policy is determined by a variety of factors, such as lifestyle changes, family needs, financial goals, industry price changes, current economic factors, all which may require modifications to your coverage.

When is it time to review your life insurance or annuity policy?

The questions below are good indicators you should consider reviewing your policy.

• When was the last time you reviewed your policy?
• Does your existing policy offer enough coverage for your needs?
• Have your needs (financial, health, lifestyle, etc.) changed since you purchased or last updated your life insurance policy?
• Are current interest rates credited to your annuity or has the performance met your expectations?
• Are the insurance products you're currently using still competitive and cost effective, given recent improvements in product pricing?

What will RMA Policy Review do for you?

• The policy review will provide you with a detailed status of your current policy.
• The analysis will allow you to view the options available with your policy and the advantages and disadvantages of each.
• The review is provided as a courtesy to you. The review allows you to better understand your life insurance policy performance.

What are the components of the RMA Policy Review?

• An overview of the RMA Policy Review.
• A succint summary of the policy's performance including: Alternative Options and the advantages and disadvantages of each.
• Options how to proceed in updating your policy.