Our Planning Processes
Policy Management Company
The Policy Management Company provides ValMark Member Offices and their allied professionals with policy monitoring and management services for their clients' in-force life insurance policies. We accomplish this through an effective combination of technology, our dedicated team of experts, and ValMark's 50+ years of experience providing sophisticated life insurance tools and solutions for insurance professionals.
Private Underwriting Risk Evaluation
Our Private Underwriting Risk Evaluation process allows us to gather and evaluate underwriting evidence while protecting the identity and insurability of your most important clients. By having more risk assessment tools at our disposal up front, your ValMark Underwriters are better able to anticipate underwriting roadblocks and proactively negotiate solutions.
ValMark’s Concierge Services simplifies the life insurance process for advisors and their clients by contacting the client directly to complete the application paperwork and coordinate the necessary underwriting requirements. Concierge Services leverages ValMark’s expertise to reduce the amount of information the agent gathers at the point of sale, removing the administrative complexity for Member Firms.
Life Assurance 360™
Life Assurance 360™ is a goals-based process for designing, implementing, and managing life insurance. The process educates individuals about the trade-offs of life insurance throughout the case design process, provides private underwriting services, and creates a plan for ongoing management.
Life Settlements Advocacy™
The Life Settlement Advocacy Program™ is designed to guide you through a life settlement transaction and to ultimately provide the highest level of value for a client’s policy. The program consists of six essential steps. The LSA Program™ offers a variety of support tools and systems to help you complete each of the necessary steps involved in a life settlement transaction.
Comprehensive Annuity Review & Evaluation Service™
The CARES Process™ is designed to educate annuity contract holders on the features of their current product compared to what is available in the marketplace today and to evaluate whether or not the annuity they own continues to meet their needs.
The Optimized Portfolio System®
TOPS® is one of the longest running ETF-based asset management solutions in the country. Designed on the tenets of Modern Portfolio Theory, the system combines managed asset allocation, low costs, tax efficiency, transparency, and professional investment management.
Focused Planning provides a deeper dive into many familiar planning concepts that can be used in concert with a comprehensive financial plan or as a standalone client discussion tool. The various modules shed a light on the quantitative information relevant to unique planning opportunities including income claiming strategies, tax optimized saving, long term care, survivor needs analysis, and more.
Retirement Income Survival Kit™
The RISK Process™ is designed to assist an individual’s transition into retirement by focusing on the key risks encountered in the income distribution phase of their lives. The analysis includes an income assessment, as well as social security, long term care, and legacy planning.
Achieving Retirement Clarity™
The ARC Process™ is a goals based planning process designed to aid individuals through the asset accumulation phase of their lives. The analysis includes emergency, education & retirement savings, as well as survivorship needs.
Watch our YouTube Video to learn more about our unique offerings