Anthony Steuer , Anthony Steuer Insurance Services

Profile:
Due Care Company Analysis; Agent Review; Coverage Amount/Needs Analysis; Internal Rate of Return Calculations on Death Benefit as compared to premiums at key intervals (also on cash value); Beneficiary and Ownership Analysis (potental Estate and Income Tax consequences); Policy Testing - for new proposed policies comparison with generic industry average policy (to test assumptions). For inforce policies - current projections using inforce values and current projections (interest rates, mortality costs and expenses); Policy Loans - long term implications of policy loans including expected future phantom income tax gains and long term costs of carrying loan; review Replacement Situations; For Trustees - discussion of Prudent Investor Rule and how this might apply.

Primary Area of Expertise: Life/Health/Accident Insurance