Insurance Suitability and Sustainability Analysis (ISSA™)

Our Insurance Suitability and Sustainability Analysis (ISSA™) is an objective, professional and robust evaluation of a life insurance portfolio. Beyond the objective policy evaluation, the ISSA identifies whether the insurance portfolio is in alignment with a client’s vision for personal and business wealth management. Our experience and opinions on product changes, enhancements, insurance costs, policy expenses and developments in the secondary insurance markets are intended to help policy owners and their advisors make smart decisions about this key financial asset.

IDG’s comprehensive methodology includes collaborating with trusted advisors to deliver a robust evaluation. While your insurance portfolio may have been suitable years ago, it might not be suitable today. The ISSA brings clarity to the insurance portfolio and the companies backing the policies. If we feel a change is in order, we recommend informed alternatives. As the invited guest consulting on the insurance portfolio, we can also implement recommended alternatives when requested to do so.

Why the ISSA™ makes financial sense

The life insurance industry is experiencing constant change. Competition and financial challenges have resulted in mergers, while some companies have sold their life insurance bloc to other carriers and exited the business of underwriting and selling life insurance.

More recently, we’ve seen companies raising the cost of insurance on some life policies for a variety of economic reasons…this was virtually unheard of in the industry up until now, and no one expected it would ever occur…but it has.

What’s more, the very affluent are living longer and technology is driving down the cost of administration. This radically changes the way life insurance is priced, underwritten and serviced. So the question is this: “Is my policy fairly priced when I consider recent improvements in product design, pricing and service?”

Your ISSA™ is conducted through your primary professional advisor, with IDG acting on behalf of both you and your advisor

Our 7 Step Process is Creative, Collaborative, and Consultative

It’s simple, it’s comprehensive and it works.

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