Audit 3.0-Final

LIFE INSURANCE SMAUDIT EVALUATING THE LIFE INSURANCE FOR JOHN M. SMITH PREPARED BY THE AUDIT AGENT MARCH, 2004 PURPOSE Life insurance is a financial instrument owned by most individuals, businesses, and estate plans. It is often one of the top assets within a financial statement yet it is seldom evaluated, appraised or assessed in a comprehensive manner – that needs to change. Statistics compiled after having performed several thousand audits demonstrate that nearly 70% of all life insurance policies can be significantly improved. Ash Brokerage’s mission is to provide consumers an objective evaluation of the life insurance they own. It is with that mission in mind, Ash Brokerage works with a select group of insurance professionals across the United States. We assess the current coverage and, when appropriate, recommend alternative solutions for all that depend on life insurance to be there for their families, businesses or charities. WHY ASSESS LIFE INSURANCE? In every industry change is constant and the life insurance industry is no exception. The insurance industry has seen changes in the way life insurance is designed, priced and medically underwritten. Having an objective third-party assess the performance of life insurance is no different than having real estate appraised or an investment plan’s asset allocation reviewed. Life insurance must be treated as a critical component of an ...