The Life Insurance Audit
  Case Studies

Case Study #1 **

A 52-year old male had three policies with a total combined coverage of $238,000. The net cash value was $124,000 with an ongoing premium that totaled $13,684 per year.

RESULTS AFTER FULL REVIEW

Case Study #2 **

61-year old male had four whole life policies with a total combined coverage of $1,014,000. The cash values of the policies totaled $450,500. The insured’s goal was to simplify his life.

RESULTS AFTER FULL REVIEW

Case Study #3 **

A 46-year old male owned three variable whole life policies with a total combined coverage of $7,500,000. The cash value in all of the policies was $961,000. Total annual premium was over $118,000 per year. The insured had a recent change in circumstances. It was determined that the insured needed to increase the death benefit to $20,000,000 to meet estate planning needs. All policies were scheduled to lapse at age 95.

RESULTS AFTER FULL REVIEW

**Disclaimer: The case studies depicted here are intended to demonstrate scenarios where clients’reviewed, analyzed and adapted
existing policies to achieve their objectives. Each client situation is unique and should be considered individually to achieve best outcome.

Success Stories

“I have worked with Marty & his team for over 15 years.

I have relied on him to guide us through the rough waters and terrain of the insurance business. I can personally attest to his integrity, commitment and follow through and conviction to getting things done during the hardest times.”

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Jeffrey Berns,
Principal, BlockChains LLC – Reno, Nevada

“Marty is a seasoned professional who I have relied on and referenced to for over 20 years.

Marty has proven time and time again to be an “advisor” first and a “salesperson” last, a unique combination for any professional. He has gotten quite “grey” fighting battles for me and my clients.”

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Jonathon P. Ruben,
Certified Public Accountant – Torrance, CA

“I have worked with Marty as a client and an advisor and a referral source.

I consider him an industry leader, true professional and of the highest degree of integrity.”

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Andrew H. Jacobson,
Senior Vice President - Investments, Wells Fargo Advisors – Woodland Hills, CA

“Your knowledge, experience and unique processes have been instrumental in our success.

They also increased our confidence about our financial situation.”

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Michael Stieger,
Cannon Constructors, Inc

“Having worked closely with Marty for over 20 years,

I can personally attest to his professionalism, follow through and spot-on recommendations. I have relied on him and his team for many years, which is a testament to his durability and dependability.”

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Steve Zipp,
Real Estate Developer and Philanthropist – Woodland Hills, CA

“Having worked closely with Marty for many years, we can attest to his guidance, commitment and durability.

Its rare to have the type of longstanding trusted relationship we maintain with Marty.

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Ron Berman
Managing Partner B3Law, Los Angeles, CA

“"Neque porro quisquam est qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit..."

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam"

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Steve Zipp,
Senior Vice President - Investments, Wells Fargo Advisors – Woodland Hills, CA

“"Neque porro quisquam est qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit..."

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam"

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Ron Berman
Managing Partner B3Law, Los Angeles, CA