Solution for estate, business
and financial planners

Advisors have both an ethical and professional obligation to clients to determine, not only how much the client would net in a sale of existing life insurance, but also if – or how much – his or her family needs the insurance proceeds and how much the family would lose if the policy is sold rather than retained. Professionals have a further duty to search for and analyze the viable alternative premium sources before a decision is made to sell an existing policy. Similarly, if the policy is owned by an entity, an analysis must be made of whether it is in the business entity’s best economic interest to sell or retain the policy.

NumberCruncher was created to run the “HOLD or FOLD” numbers – so that professionals can compute the economic viability of a sale – in conjunction with taking a hard look at the other long-term needs, objectives, and circumstances of the client and the client’s family and/or business. Either one without the other deprives the client of a full, fair and completely objective analysis. Furthermore, NumberCruncher helps clients who are thinking of selling their policies to be more comfortable with – and better understand the context and implications of – a sale.