insurance

Analysis Desi

gn

Underwrit

ing

www.herzfinancial.com

The

Herz FinancialIndependent

We are an independent financial advisor and work

with all the top companies to provide you the best

underwriting and best rates.

Relationships

We are committed to building long-lasting trusted

relationships with our clients.

Experts

With over $1 Billion of life insurance in force and a

combined 100+ years of experience, our team has the

knowledge and expertise to develop the right solutions

for your needs.

Difference

Life Matters Life insurance can serve many purposes. Whether it’s to reduce estate taxes, secure a business obligation, or for your family’s peace of mid, the Herz Financial Team will be thoughtful, understanding and completely in tune with your objectives.

Make sure your life insurance matters.

Analysis: Understanding the Issues

All Life Insurance policies are built based on a series of financial parameters, each affecting the policy’s value and benefits. In fact, any one of the following can seriously impact the viability of a policy.

• Poor health classification• Under performing interest, dividends and financial returns• Increasing mortality and expense charges

The Herz Analysis Includes:

• Current cash value and loan balances• Current and projected death benefit guarantees• Ownership structures and beneficiary review• Personal health review• Modeling and probability studies on inforce Ledgers

Design: Tailor Made Policies

“Life insurance is one of the most versatile and flexible financial assets ever created.”

The Herz Design Team:

• Uses your individual specifications• Assures hand-selected quality products• Creates custom solutions from scratch• Maximizes your family’s long-term wealth

Underwriting

Insurance companies are in the business of risk, however getting them to make an aggressive offer is always a challenge.

The Herz Team lives up to this challenge by:

• Using its years of experience and industry contacts• Understanding each company’s retention and risk tolerance• Negotiating directly with decision makers

Our Process

Analysis

Design

Underwriting

Blue Back Square75 Isham RoadThe Lexicon, Ste 320West Hartford, CT 06107

Phone: 860.232.5050 Fax: 877.840.2449

www.herzfinancial.com