Confidential Policy Evaluator Research Reports
(powered by theinsuranceadvisor.com)
The Confidential Policy Evaluator (CPE) research reports are a valuable tool for analyzing and assessing your permanent life insurance reports and are complimentary to the Basic Evaluation Reports.
Life Insurance Product Suitability... It is both different and the same as other financial products.
Life insurance is the largest pool of assets about which so few know so little about what they are being charged and what they are getting in the way of investment performance. However, life insurance is the same as other financial instruments in that their operation is a function of expenses charged by the manufacturer and performance of invested assets underlying cash values. And clients look to their advisors for just this kind of research about pricing and performance to make more informed decisions.
Confidential Policy Evaluator (CPE) research reports from THEInsuranceAdvisor.COM (TIA) are an excellent tool assist clients in making better decisions about life insurance. CPE is a patented, objective, rules based system for assessing permanent life insurance policies (proposed or existing) on an easy to use 5 Stari Rating system that addresses the five major factors of Policy Suitability:
- Financial Strength and Claims-Paying Ability
- Cost Competitiveness
- Pricing Stability
- Cash Value Liquidity
- Historical Performance of invested assets underlying policy cash values
All 5 factors contribute to the appropriateness of permanent life insurance policies, and no single factor is sufficient to determine desirability. CPE research reports measure all 5 factors for any policy holding against benchmark averages for peer-group products. An Executive Summary explains the rating and the reasons why the policy under evaluation may or may not be as appropriate as other policies in its peer group, and the User Guide translates "insurance speak" into common financial terms.
CPE converts dozens of pages, hundreds of numbers, and lengthy disclosures found in a single policy proposal into a comprehensive, yet concise CPE Analysis (shown above right). CPE's 5-Stari Rating system provides a balanced assessment of all 5 factors to be considered and reports on same in familiar financial terms, easy to understand graphics and an accepted rating methodology.
The result is an easy-to-use tool that goes well beyond simply comparing illustrations and company ratings. With CPE, you know how the product under evaluation measures up against the benchmarks for all products in its peer group, and why.
View Sample UL CPE Report
View Sample VUL CPE_Report
View Sample WL CPE Report
To request a policy evaluation: follow the instructions on the life insurance policy request form (click to open, then print it):
Important Notes and Disclosures:
Theinsuranceadvisor.com is a separate entity and a supplier of CPE Reports and is not owned by Tony Steuer in any way.
The Confidential Policy Evaluator (CPE) system was founded invented by Barry D. Flagg (U.S. Patent #6,456,979), and were developed on generally-accepted mathematical and actuarial algorithms and a consistent and objective rules set, and like all ratings systems, rely on certain judgmental techniques, which are fully disclosed, and with which certain insurance professionals may disagree. Because any evaluation of a life insurance product (especially a variable life insurance product) presented by any financial advisor or registered representative, and pursuant to the sale/purchase of such product presents the potential for a conflict of interest, it is important to understand the methodology behind any such evaluation and the relationship between the evaluator and the registered representative.
©THEInsuranceAdvisor.COM, Inc. (TIA). All rights reserved. 1301 West Fletcher Ave., Tampa, FL 33612. TIA is a provider of insurance product research, and does not sell or otherwise distribute any financial products, and does not endorse any broker/dealer, financial planner, registered representative, insurance professional, insurance product, or insurance company, including any that may be mentioned herein. The information, data, analysis and opinions contained herein include the confidential, proprietary, patented (U.S. Patent #6,456,979) and/or copyrighted (Insurance Banking® is a registered trademark of THEInsuranceAdvisor.COM Holdings, Inc) material of TIA and may not be copied or redistributed. Accordingly, no representations or warranties are made by anyone, including, without limitation, THEInsuranceAdvisor.COM (TIA) and/or any TIA Insurance Banking Centers®, as to the validity or effectiveness of the legal or tax conclusions, analysis, opinions, and planning ideas expressed in this e-newsletter. Any and all liability whatsoever that may arise in connection with anything contained herein is hereby disclaimed.