[et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”HERO – WHAT WE OFFER” _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Kentucky_001_b.jpg” parallax=”on” background_enable_video_mp4=”off” background_video_pause_outside_viewport=”off” custom_padding=”20px||20px||false|false” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_fullwidth_slider show_arrows=”off” show_pagination=”off” show_cta_on_mobile=”off” show_image_video_mobile=”on” disabled_on=”off|off|off” admin_label=”HOME HERO V1″ _builder_version=”4.19.1″ background_enable_image=”off” background_enable_video_mp4=”off” background_video_pause_outside_viewport=”off” custom_padding=”10px||10px||false|false” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|desktop” animation_style=”fade” auto=”on” auto_ignore_hover=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”off” button_letter_spacing__hover=”null” button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”][et_pb_slide heading=”What We Offer” use_bg_overlay=”off” use_text_overlay=”off” admin_title=”TAG” _builder_version=”4.19.1″ header_level=”h3″ header_font=”Almarai|700|||||||” header_text_align=”center” header_font_size=”74px” background_enable_color=”off” background_enable_image=”off” parallax=”on” button_on_hover=”on” custom_padding=”10%||10%||false|false” custom_padding_tablet=”200px||200px|” custom_padding_phone=”100px||100px||false|false” custom_padding_last_edited=”on|desktop” child_filter_saturate=”0%” header_font_size_tablet=”65″ header_font_size_phone=”38″ header_font_size_last_edited=”on|desktop” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_transition=”on”][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Policy Management (CSS-ID: POLICY-MANAGEMENT )” module_id=”POLICY-MANAGEMENT” _builder_version=”4.19.1″ background_color=”#FFFFFF” background_enable_image=”off” parallax=”on” parallax_method=”off” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”HDR -Policy Management (MAX-WIDTH: 800px; PADDING-TOP: 25px;)” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||||false|false” custom_padding=”25px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 1 – Policy Management” _builder_version=”4.19.1″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – Policy Management” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_align=”left” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Policy Management” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]Through our relationship with the ValMark Companies, we have access to The Policy Management Company which provides policy monitoring and management services for our clients\u2019 in-force life insurance policies.<\/p>\n
This is accomplished through an effective combination of technology, a dedicated team of policy management professionals and a process developed from ValMark\u2019s 50+ years of experience with sophisticated life insurance policies.<\/p>\n
Together, they form a durable bridge connecting your expectations of promised policy benefits with actual results. Our goal is to give you the assurance of ongoing policy performance, as it was designed, while creating what we believe is a superior insurance experience. Potential advantages to both policy holders and trustees include:
\n[\/et_pb_text][et_pb_text admin_label=”BULLETS – Policy Management (PADDING-LEFT: 30px;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”|||30px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/PMC_Brochure_Ascent_pages.pdf” url_new_window=”on” button_text=”VIEW OUR POLICY MANAGEMENT BROCHURE” button_alignment=”center” admin_label=”BUTTON – VIEW OUR POLICY MANAGEMENT BROCHURE” _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”0px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px) — Indianapolis-004_b” _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Indianapolis_004_b.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Policy Design and Analysis (CSS-ID: POLICY-DESIGN-AND-ANALYSIS )” module_id=”POLICY-DESIGN-ANALYSIS” _builder_version=”4.19.1″ background_color=”#FFFFFF” background_enable_image=”off” parallax=”on” parallax_method=”off” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Policy Design and Analysis (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||||false|false” custom_padding=”25px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR – Policy Design and Analysis” _builder_version=”4.19.1″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – Policy Design and Analysis” _builder_version=”4.19.4″ text_font=”Open Sans|||on|||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 5 – Policy Design and Analysis” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Policy Design and Analysis” _builder_version=”4.19.4″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
Whether you are evaluating your client\u2019s existing coverage or investigating new insurance, Ascent Insurance Advisors uses a unique four-step process called Life Assurance 360\u2122. This enables us to make certain your client\u2019s policy fits their current needs and continues to serve its intended purpose for the duration of the policy.<\/p>\n
By taking a comprehensive, 360\u00b0 approach to designing, implementing and managing life insurance, we believe that the outcome produced for your clients is better than when each of these steps is addressed in isolation. The steps below reflect the professional evaluation process you can expect when working with us.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Policy Design and Analysis (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/LA360_Overview_Ascent.pdf” url_new_window=”on” button_text=”VIEW OUR LA360 OVERVIEW” button_alignment=”center” admin_label=”BUTTON – VIEW OUR LA360 OVERVIEW” _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/LA360-Brochure_Ascent_pages.pdf” url_new_window=”on” button_text=”VIEW OUR BROCHURE ON LA360″ button_alignment=”center” admin_label=”BUTTON – VIEW OUR BROCHURE ON LA360″ _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”0px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Policy Design and Analysis (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_tabs admin_label=”TABS – (PADDING-TOP: 40px;)” _builder_version=”4.19.1″ _module_preset=”default” custom_margin=”60px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][et_pb_tab title=”COMPANY EVALUATION” _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
This step involves a due diligence review of:<\/p>\n
[\/et_pb_tab][et_pb_tab title=”PLAN DESIGN” _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
This step involves an examination of the product and plan structure to ensure they are suited to the client\u2019s intended purpose. In the process, we examine the five elements that will have the greatest impact on the overall design of the plan.<\/p>\n
[\/et_pb_tab][et_pb_tab title=”UNDERWRITING ” _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
The life insurance application process can produce many unintended results if it is not managed proactively and with the proper level of expertise. We have found that the key to avoiding unwanted surprises in this critical step is to have knowledgeable professionals advocating at the insurance company level on your client\u2019s behalf.<\/p>\n
Using our knowledge of how insurance company underwriters, medical directors and actuaries make decisions, we leverage our insight to confidentially represent, clarify and coordinate the details of the client\u2019s application throughout each phase of the underwriting process.<\/p>\n
By proactively addressing negative information, we position your client’s information in a positive light to the insurance company and remove as many surprises as possible to obtain favorable underwriting offers that can effectively lower the cost of insurance.<\/p>\n
[\/et_pb_tab][et_pb_tab title=”POLICY MANAGEMENT” _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n
Without proper maintenance, even the soundest structures are prone to failure. That\u2019s why we believe that the final element in crafting a sustainable insurance plan is ongoing maintenance. In addition to continuous monitoring of the client\u2019s policy, annual reviews should convey critical information required for the upkeep of the plan, including:<\/p>\n
[\/et_pb_tab][\/et_pb_tabs][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|on” admin_label=”HDR – Why Policies Need to Be Reviewed Regularly (MAX-WIDTH: 800px; PADDING\/MARGIN-BOTTOM: 0px;)” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 2 – Why Policies Need to Be Reviewed Regularly (MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font=”|||on|||||” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|-3px|false|false” custom_padding=”0px||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Why Policies Need to Be Reviewed Regularly” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]Prolonged low interest rates have pressured insurance companies to seek new avenues to increase profitability. In addition to raising the cost of new policies and reducing their contractual guarantees, several major insurance companies have increased mortality costs on existing coverage.<\/p>\n
In these cases, the projected duration of the policies will be shortened, and policyholders will be required to pay significantly increased premiums to be certain their policies will last their lifetimes. These challenges have become more problematic when larger estates and corporate insurance arrangements are involved.
\n[\/et_pb_text][et_pb_text admin_label=”HDR 2 – The Importance of Carrier Financial Strength (PADDING-TOP: 50px; MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font=”|||on|||||” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”50px||0px|-3px|false|false” custom_padding=”||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – The Importance of Carrier Financial Strength” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
Several insurance companies are making foundational changes in the way they conduct business which could have an adverse impact on your clients\u2019 policies. For example, some companies have sold large blocks of business to non-insurance entities which may not be equipped to properly manage in-force policies.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Policy Design and Analysis #2 (BLUE BACKGROUND)” module_id=”POLICY-DESIGN-ANALYSIS” _builder_version=”4.19.1″ background_color=”#559FC9″ background_enable_image=”off” parallax=”on” parallax_method=”off” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Why Policies Need to Be Reviewed Regularly (MAX-WIDTH: 800px; PADDING-TOP: 70px; PADDING\/MARGIN-BOTTOM: 0px;)” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”70px||0px||false|false” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 2 – Why Policies Need to Be Reviewed Regularly (MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font=”|||on|||||” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#FFFFFF” header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|-3px|false|false” custom_padding=”0px||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Why Policies Need to Be Reviewed Regularly” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#FFFFFF” text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
Prolonged low interest rates have pressured insurance companies to seek new avenues to increase profitability. In addition to raising the cost of new policies and reducing their contractual guarantees, several major insurance companies have increased mortality costs on existing coverage.<\/p>\n
In these cases, the projected duration of the policies will be shortened, and policyholders will be required to pay significantly increased premiums to be certain their policies will last their lifetimes. These challenges have become more problematic when larger estates and corporate insurance arrangements are involved.<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – The Importance of Carrier Financial Strength (PADDING-TOP: 50px; MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font=”|||on|||||” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#FFFFFF” header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”50px||0px|-3px|false|false” custom_padding=”||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – The Importance of Carrier Financial Strength” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#FFFFFF” text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
Several insurance companies are making foundational changes in the way they conduct business which could have an adverse impact on your clients\u2019 policies. For example, some companies have sold large blocks of business to non-insurance entities which may not be equipped to properly manage in-force policies.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px)(DIVIDER-TOP: Blue) — MakerMark_001″ _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_MakerMark_001_b.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#559FC9″ top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Legacy Planning (CSS-ID: LEGACY-PLANNING )” module_id=”LEGACY-PLANNING” _builder_version=”4.19.1″ background_color=”#FFFFFF” background_enable_image=”off” parallax=”on” parallax_method=”off” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Legacy Planning (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||||false|false” custom_padding=”25px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 1 – Legacy Planning” _builder_version=”4.19.1″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – Preserve and Protect Your Life\u2019s Work” _builder_version=”4.19.1″ text_font=”Open Sans|||on|||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Preserve and Protect Your Life\u2019s Work” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]We believe that estate planning is more than reducing taxes. Proper estate planning preserves and protects the assets you have worked hard to accumulate, and enables your heirs to meet their financial obligations with no detriment to their quality of life.<\/p>\n
Our comprehensive estate plans directly address the federal transfer tax system of gift, estate, generation skipping, excise and income taxes. Depending upon your specific needs, our plans include:
\n[\/et_pb_text][et_pb_text admin_label=”BULLETS – Preserve and Protect Your Life\u2019s Work (PADDING-LEFT: 30px;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”|||30px|false|false” border_radii=”on|14px|14px|14px|14px” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Preserve and Protect Your Life\u2019s Work 2″ _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]In the process of developing your plan, we work closely with your estate planning attorney and may employ sophisticated tools and techniques such as family limited partnerships, living and generation skipping trusts, and many other vehicles of testamentary planning. The result is a plan that preserves your assets after death and increases your family\u2019s protected<\/p>\n
When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. But life is constantly changing. The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage. That\u2019s why it\u2019s important to regularly review all of your personal and business insurance coverages.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Transforming Your Life\u2019s Work From Success to Significance (MAX-WIDTH: 800px; PADDING\/MARGIN-BOTTOM: 0px;)” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 2 – Transforming Your Life\u2019s Work From Success to Significance (MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_font=”|||on|||||” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_align=”left” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|-3px|false|false” custom_padding=”0px||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Transforming Your Life\u2019s Work From Success to Significance” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_font=”|||on|||||” header_2_text_color=”#559FC9″ header_3_font=”|||on|||||” header_3_text_color=”#559FC9″ header_4_font=”|||on|||||” header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_font=”|||on|||||” header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]Good financial management is a lot of work\u2014work that sets a good example. For children and grandchildren, there\u2019s no substitute for having witnessed the care, thoughtfulness, attention to detail, and discipline that good planning demands.<\/p>\n
Too often, families have witnessed the final breath of a loved one setting into motion costly, avoidable financial consequences. The tragic result is a message that represents a contradiction to a responsible life of hard work.<\/p>\n
Ascent Insurance Advisors helps clients transform their life\u2019s work from success to true significance\u2026passing value, responsibility, and stewardship ethics to those they care about. The result? A meaningful legacy that completes the circle.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px) — Horses_002″ _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Horses_002.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” admin_label=”SECTION – Business Planning (CSS-ID: BUSINESS-PLANNING)” module_id=”BUSINESS-PLANNING” _builder_version=”4.19.4″ background_color=”#FFFFFF” background_enable_image=”off” custom_margin=”||||false|false” custom_padding=”||||false|false” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#ffffff” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.19.1″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Business Plan Funding (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.4″ max_width=”800px” custom_padding=”25px||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 1 – Business and Succession Planning” _builder_version=”4.19.4″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” max_width=”900px” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Business and Succession Planning” _builder_version=”4.19.4″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”44px” header_3_text_color=”#559FC9″ background_enable_color=”off” background_layout=”dark” module_alignment=”center” custom_padding=”||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
In the rush of day-to-day business activities, many business owners become so engrossed in running their companies, they inadvertently put their personal finances on the back burner. As clients\u2019 businesses grow and develop, it\u2019s important they keep their priorities on track so their business activities are consistent with their personal financial goals.<\/p>\n
Drawing upon our extensive experience helping business owners and entrepreneurs, we can help clients prepare for, plan and fund various business strategies designed to protect clients and help them accomplish their financial goals. In many cases, life insurance is the most appropriate and tax-favored funding vehicle for these strategies. Examples include:<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”BULLETS – Business Planning (PADDING-LEFT: 30px;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” max_width=”90%” module_alignment=”center” custom_padding=”|||30px|false|false” border_radii=”on|14px|14px|14px|14px” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”off|off|off” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|on” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px) — Cincinnatti_002 ” _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Cincinnatti_002.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Life Settlements (CSS-ID: LIFE-SETTLEMENTS )” module_id=”LIFE-SETTLEMENTS” _builder_version=”4.19.1″ background_color=”#FFFFFF” background_enable_image=”off” parallax=”on” parallax_method=”off” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row column_structure=”2_3,1_3″ disabled_on=”off|off|off” admin_label=”HDR – LIFE-SETTLEMENTS (MAX-WIDTH: 800px; PADDING-TOP: 25px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||||false|false” custom_padding=”25px||||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR – LIFE-SETTLEMENTS” _builder_version=”4.19.1″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – LIFE-SETTLEMENTS (MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans|||on|||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_align=”left” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|-3px|false|false” custom_padding=”0px||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – LIFE-SETTLEMENTS” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]Situations may arise when clients no longer need or want their policy. Generally, this is due to:
\n[\/et_pb_text][et_pb_text admin_label=”BULLETS – LIFE-SETTLEMENTS (PADDING-LEFT: 30px;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”|||30px|false|false” border_radii=”on|14px|14px|14px|14px” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – LIFE-SETTLEMENTS” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]When these situations occur, we use our Life Settlement Advocacy Program that first analyzes the existing policy and examines the potential for a life settlement. Based on our findings and clients\u2019 objectives, we provide detailed analyses and recommendations of various options that may include:
\n[\/et_pb_text][et_pb_text admin_label=”BULLETS – LIFE-SETTLEMENTS (PADDING-LEFT: 30px;)” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_padding=”|||30px|false|false” border_radii=”on|14px|14px|14px|14px” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/LSA_Brochure_Ascent_pages.pdf” url_new_window=”on” button_text=”VIEW OUR BROCHURE ON LIFE SETTLEMENT ADVOCACY” button_alignment=”center” admin_label=”BUTTON – VIEW OUR BROCHURE ON LIFE SETTLEMENT ADVOCACY” _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”0px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/Introduction_to_Life_Settlements-V_2020_02_Ascent.pdf” url_new_window=”on” button_text=”IS YOUR CLIENT A CANDIDATE FOR A LIFE SETTLEMENT?” button_alignment=”center” admin_label=”BUTTON – IS YOUR CLIENT A CANDIDATE FOR A LIFE SETTLEMENT?” _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”0px||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 2 – IMPORTANT CONSIDERATIONS (MARGIN-LEFT: -3PX; PADDING-LEFT: 3PX;)” _builder_version=”4.19.1″ text_font=”Open Sans|||on|||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|-3px|false|false” custom_padding=”0px||15px|3px|false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Disclaimer” _builder_version=”4.19.1″ text_font=”Open Sans||on||||||” text_text_color=”#000000″ text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” background_layout=”dark” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]Valmark Securities supervises all life settlements like a security transaction and its registered representatives act as brokers on the transaction and may receive a fee from the purchaser. Once a policy is transferred, the policy owner has no control over subsequent transfers and may be required to disclosure additional information later. If a continued need for coverage exists, the policy owner should consider the availability, adequacy and cost of the comparable coverage. A life settlement transaction may require an extended period to complete and result in higher costs and fees due to their complexity. Policy owners considering the need for cash should consider other less costly alternatives. A life settlement may affect the insured\u2019s ability to obtain insurance in the future and the seller\u2019s eligibility for certain public assistance programs. When an individual decides to sell their policy, they must provide complete access to their medical history, and other personal information.
\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px) — Barrels_005_b” _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Barrels_005_b.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”SECTION – Underwriting Advocacy (CSS-ID: UNDERWRITING-ADVOCACY )” module_id=”UNDERWRITING-ADVOCACY” _builder_version=”4.19.1″ background_color=”#FFFFFF” background_enable_image=”off” parallax=”on” parallax_method=”off” bottom_divider_style=”curve” bottom_divider_color=”RGBA(0,0,0,0)” bottom_divider_height=”50px” collapsed=”on” global_colors_info=”{}”][et_pb_row disabled_on=”off|off|off” admin_label=”HDR – Underwriting Advocacy (MAX-WIDTH: 800px; PADDING-TOP: 25px; PADDING\/MARGIN-BOTTOM: 0px; )” _builder_version=”4.19.1″ max_width=”800px” custom_margin=”||0px||false|false” custom_padding=”25px||0px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR – Underwriting Advocacy” _builder_version=”4.19.1″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – Underwriting Advocacy” _builder_version=”4.19.1″ text_font=”Open Sans|||on|||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_align=”left” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”||0px||false|false” custom_padding=”0px||15px||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Underwriting Advocacy” _builder_version=”4.19.1″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#559FC9″ header_font_size=”44px” header_2_text_color=”#559FC9″ header_3_text_color=”#559FC9″ header_4_text_color=”#559FC9″ header_5_font=”|||on|||||” header_5_text_color=”#559FC9″ header_6_text_color=”#559FC9″ background_enable_color=”off” text_orientation=”justified” background_layout=”dark” module_alignment=”center” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]What many people don\u2019t realize is that the single greatest impact on the price of a life insurance policy is professional management of the medical underwriting process. Using our knowledge of how carrier underwriters, medical directors, and actuaries make decisions, we proactively position your life insurance application in its most favorable light.<\/p>\n
We accomplish this through a proprietary informal underwriting process where we complete 90% of the underwriting BEFORE an application is submitted to an insurance company. This preliminary process enables us to pre-qualify underwriting offers from insurance companies, while protecting your Personal Health Information from the Medical Information Bureau so that your insurability remains unharmed.<\/p>\n
As a result, we are able to deliver very favorable underwriting offers to our clients. Once received, the top offers from various companies are analyzed by our team. We match the best underwriting results to the appropriate product and optimized solution. We then discuss all of this information with you so that you can make an informed decision.
\n[\/et_pb_text][et_pb_button button_url=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2023\/01\/VALM-033_WHITE_PAPER_PROCESS_12_2022.pdf” url_new_window=”on” button_text=”DOWNLOAD OUR UNDERWRITING BROCHURE” button_alignment=”center” admin_label=”BUTTON – DOWNLOAD OUR UNDERWRITING BROCHURE” _builder_version=”4.19.4″ _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#559FC9″ button_use_icon=”off” custom_margin=”||||false|false” custom_padding=”||||false|false” global_colors_info=”{}” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#559FC9″ button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#e0e0e0″ button_bg_enable_color__hover=”on”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”DIVIDER (HEIGHT-TOTAL: 250px) — Kentucky_002_b ” _builder_version=”4.19.1″ _module_preset=”default” background_image=”https:\/\/ascentinsuranceadvisors.com\/site\/wp-content\/uploads\/2022\/12\/ASIA_site_images_lrg_1920x1200_Kentucky_002_b.jpg” parallax=”on” top_divider_style=”arrow” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#FFFFFF” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}” disabled_on=”on|on|on” disabled=”on”][et_pb_row _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”PADDING: TOP\/BOTTOM – 125px\/125px” _builder_version=”4.19.1″ _module_preset=”default” custom_padding=”125px||125px||false|false” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” admin_label=”SECTION – Instant Decision Term Insurance (CSS-ID: TERM-INSURANCE)” module_id=”TERM-INSURANCE” _builder_version=”4.19.4″ background_color=”#FFFFFF” background_enable_image=”off” custom_margin=”||||false|false” custom_padding=”||||false|false” top_divider_color=”#FFFFFF” top_divider_height=”75px” bottom_divider_style=”arrow” bottom_divider_color=”#ffffff” bottom_divider_height=”75px” collapsed=”on” global_colors_info=”{}” disabled=”on”][et_pb_row disabled_on=”off|off|off” admin_label=”SPACE 20PX” _builder_version=”4.18.0″ custom_margin=”0px||0px||false|false” custom_padding=”10px||10px||false|false” animation_style=”slide” animation_direction=”bottom” custom_width_px=”800px” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider show_divider=”off” _builder_version=”4.19.1″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”10px||10px||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ disabled_on=”off|off|off” admin_label=”HDR – Business Plan Funding” _builder_version=”4.19.4″ max_width=”800px” module_alignment=”center” custom_width_px=”800px” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”HDR 1 – Instant Decision Term Insurance” _builder_version=”4.19.4″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” text_orientation=”center” background_layout=”dark” max_width=”900px” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”HDR 2 – Apply now for ” _builder_version=”4.19.4″ header_font=”Open Sans|||on|||||” header_text_align=”center” header_text_color=”#559fc9″ header_font_size=”40px” header_3_text_color=”#000000″ text_orientation=”center” background_layout=”dark” module_alignment=”center” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text admin_label=”TEXT – Term Life Insurance” _builder_version=”4.19.4″ text_font=”Open Sans||||||||” text_text_color=”#000000″ text_font_size=”18px” text_line_height=”1.8em” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”44px” header_3_text_color=”#559FC9″ background_enable_color=”off” background_layout=”dark” module_alignment=”center” custom_padding=”||||false|false” border_radii=”on|14px|14px|14px|14px” global_colors_info=”{}”]<\/p>\n
If you have loved ones that depend on your income, then life insurance is a necessity. Your family needs your ability to replace your income and term life provides that protection at a great value. Term life insurance is still very affordable in your 40s and 50s, but is it important to lock in lower rates now to protect your family.<\/p>\n