Let's Find Out if You Can Lower Your Life Insurance Premiums, Increase Your Benefits, Or BOTH!
Did you know that... just like your mortgage, your credit cards, and your car loans can be refinanced with better rates and terms.... so can your existing life insurance policy.
"As your trusted advisors, we know that reviewing your existing life insurance policies is a vital part of the financial planning process. Our team has developed and easy to use auditing tool to securely and efficiently review your existing life insurance policies."
- Kara & Mike Stewart
Introducing the Life Insurance Policy Enhancement Auditor™
The Life Insurance Policy Enhancement Auditor™ will let you know if…
- Your premium payments can be LOWERED
- You can obtain MORE coverage for less
- "Living Benefits" like LONG-TERM CARE can be added
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Your policy is in "Good Standing" and not in danger of being terminated
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Your beneficiaries match your current estate planning goals
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You have TOO MUCH or TOO LITTLE coverage
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You have living benefits you can access TODAY
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You can STOP PAYING the premiums and still have coverage
"She solved this short-term need and more..."
Perry Platus
Retired Santa Rosa PD
"With a year left before my retirement, I was looking for a one year term policy as I was worried that heaven forbid something happened to me, my family wouldn't benefit from the pension I had worked my entire career for.
Kara took the time to understand my overall financial situation and not only solved this short-term need, she recommended a better option that gave me tax-free growth with supplemental tax-free retirement income if I live a long healthy life. Needing to offset taxable income and capital gains or if I got sick along the way with ultimate protection for my family.
During the recent market correction, when the S&P 500 was down >30%, she reached out to assure me that not only has my investment locked in and protected precious gains, I hadn't lost $1!
This was no surprise to me, as Kara is a great advisor
"I have a clear picture of my short, intermediate and long-term goals..."
Kevin Lew
Fire Appuratus Engineer
Sonoma County Fire District
"My wife and I have two small kids. I am grateful I spoke with Kara in planning for their college savings, as she showed me an alternative, more attractive option than the typical 529 plan.
She also introduced me to the ability to supplement my CalPers 457 plan with future tax-free income.
I have a clear picture of my short, intermediate and long-term goals with current and future tax savings!"
"...retirement solutions beyond my normal Service Retirement..."
Jack W. Thomas
Fire Captain
City of Santa Rosa Fire Department
“As my wife and I prepare for retirement, we have had the sincere pleasure of working with Kara to develop additional retirement solutions, beyond my normal Service Retirement.
Our unique plan, quarterbacked by Kara, contains strategic financial scenarios that will reduce our tax obligation, protect our assets from the ongoing market volatility, and implement an Index Universal Life insurance policy tailored to meet our unique and changing needs.
Kara has been very informative, professional, and attentive to our current financial situation and we look forward to continuing to work with her in the future.
Thank you for everything, Kara!”
How It Works...
It's Easy As 1, 2, 3!
1
Click the button below to be taken to a short intake form that will help us understand a little bit more about you, your current policy, and your goals
2
After you submit your form, we will perform an in depth analysis that will help us determine if we can help you lower your costs, increase your benefits or BOTH!
3
We will present you with a detailed report showing where your policy is performing well, what could be improved on. We will also show you what else is available that could save you money, increase your benefits, or both!
About Us...
"One of my core passions in life has always been to help those in need.
Following this passion, I was fortunate to be able to work as a firefighter for 20 years before having to medically retire.
Wanting to continue to help people deal with emergencies, I found my way into insurance, where I now help people pre-plan for the worst by protecting their assets before an emergency.
I look forward to working with you to help protect the things and people you love most!"
-Mike Stewart
Wanting to continue to help people deal with emergencies, I found my way into insurance, where I now help people pre-plan for the worst by protecting their assets before an emergency.
I look forward to working with you to help protect the things and people you love most!"
-Mike Stewart
"Ever since I was young, helping others has been a core element of who I am. Whether it was helping out my own family around the house or doing things around the community that I love (born and raised in Sonoma County!), a passion of serving others has influenced many of my decisions.
So, after marrying my high school sweetheart, I realized that I wouldn’t ever be satisfied unless I pursued a career that not only allowed me to use my unique talents, but truly helped others achieve THEIR goals as well.
Which is when I discovered and fell in love with the art of financial planning.
For years now, I have made it my mission to worry about your finances, so you don’t have to! And a major part of that can be insurance coverage.
Insurance is one of those things that is often forgotten about until it's needed... like what we have seen recently with the fires around our beautiful county.
That's why I want to help you make sure that you are properly protected without having to struggle through the hours it can take to research terms, definitions, companies, and the many other nuances that can play a role in proper financial security... at no cost to you.
While I specialize in many areas of the financial world, I am not a jack of all trades. To make sure you get the care and service you deserve, I have brought in other financial experts to help me in making sure you are properly protected.
Feel free to click on any of the links on this page, or you can simply click the button below to schedule a discovery call to see how we can help you.
I look forward to hearing from you!"
-Kara Stewart, CLTC
You may be asking... (FAQs)
Why should I have my policy audited?
It is a WIN-WIN! First, you will learn if your current policy is still the best fit for you. Second, you will learn if their are new benefits, ways to reduce the cost and/or increase your coverage. You can't lose by having your policy audited.
Is my information going to be secure?
Yes, we use the latest encryption technologies to make sure your information is secure. We also DO NOT ask for social security numbers, driver's license information, or any sensitive information.
I’m older and not as healthy as I was … is paying less or getting more coverage still an option?
A lot has changed in the life insurance industry over the last five years. Changes to life expectancy, improved underwriting classifications and new benefits allow older and less healthy people to improve old policies.
If I want to change into a better life insurance policy will I have to do that on my own?
Not if you don't want to. Our team will not only analyze your current policy, but can help you step by step in changing policies if that is what you decide to do.
Who is going analyze my policy?
Only licensed advanced planning and life insurance specialists. Our team has decades of experience, staffed with financial advisors and life insurance professionals that have Juris Doctorates and Master Degrees in Accounting and hold specialized designations such as CLU®, CFP®, ChFC®, CLTC®, and CCFS®.
Are there any hidden costs or fees?
No. The Life Insurance Policy Enhancement Auditor™ is offered to life insurance policy owners at no charge.