Herz FInancial Life Insurance

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

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