Free policy review

Is the life insurance you bought years ago still doing its job?

A free, written review of any life insurance policy — what it covers, what it costs, and whether today’s market can do better. No cost. No obligation. No pressure.

Pricing has dropped

Carriers re-priced after adopting updated mortality tables, and competition pushed rates lower still. A healthy 55-year-old can frequently buy the same coverage for less than a policy issued a decade ago.

Your policy may be underperforming

Universal life policies bought in the 2000s were often illustrated at interest rates that never materialized. Some are quietly heading toward lapse.

Your life has changed

Kids grown, mortgage paid, a new marriage, a business sold. The beneficiary setup you chose at 35 may no longer match your wishes.

What you’ll receive

1
A one-page plain-English summary of your current policy: death benefit, premium, cash value, guarantees, riders, and projected performance.
2
Beneficiary and ownership check — are the right people named, and is the policy set up to avoid probate and unnecessary taxes?
3
A side-by-side comparison against current offers from top-rated carriers, including options that add long-term care benefits.
4
A clear recommendation: keep it, adjust it, or replace it — with the reasoning in writing. If “keep it” is the answer, that’s what we’ll tell you.

What we typically find

Same death benefit available at a lower premium
Same premium buys a larger benefit or adds an LTC rider
Cash value that can be moved tax-free (via 1035 exchange) into a policy with LTC benefits
Universal life policies on track to lapse before age 90
Outdated beneficiaries: ex-spouses, deceased parents, minor children named directly
Term policies about to convert or expire without the owner realizing it

How it works

1

Send your statement

Upload your most recent annual statement above, or email it. Any carrier, any agent.

2

We do the work

We review it and, if useful, request an in-force illustration from the carrier on your behalf.

3

We walk through it together

Within a few business days you receive the written summary. We review it by phone, video, or in person in Broward or Palm Beach County.

“I felt very comfortable switching my life insurance over to Todd and know that there is someone there looking out for me and my family’s best interest.”
David M · Client of Lesk Life Insurance