TellUsTheOdds.com is our platform for helping people make difficult decisions about insurance at a low cost.
Long-term Care Funding
Are you concerned about the high cost of long-term care services? Insurance companies offer many funding solutions: long-term care insurance, linked-benefit life insurance policies, life insurance with long-term care riders, annuities with long-term care benefits.
Are any of these right for you? We can help you understand their strengths and weaknesses to reach a decision. Our quantitative tools come from actuarial science and economics, but we also understand that this decision is about more than just numbers.
For more information, see Eleanor Laise, "Retirees, Schedule An Insurance Audit," Kiplinger's Retirement Report, September 2017.
We can help you think about personal decisions that involve life-contingent cash flows, such as pension buyouts, divorce, reverse mortgages and charitable trust valuation.
Retirement Income Planning
We can make you aware of retirement income solutions that may be worth waiting for, and we can also explain why some of today's products are too complicated to analyze competently at a reasonable cost.
Life Insurance Policy Review
We can help you avoid the two mistakes of keeping a policy that you should drop or dropping a policy that you should keep. We review the features of your policy and explain how your policy might be useful for you in ways that you might not have considered.
On the sell side, our work is an extension of our policy reviews. After a short conversation to determine if a sale is even possible, we prepare a preliminary valuation and discuss the alternatives to a life settlement. If you still want to proceed, we work with a broker to obtain offers in the marketplace.
On the buy side, we create small life settlement funds with a focus on low costs and transparency. We believe that this is the best way for investors to capture the attractive returns in the life settlement market.