Universal Life Analyzer™ - This is the first of several module systems developed in conjunction with the experts at Fee Advisors Network, LLC to analyze policies, Universal Life Analyzer™ is part of their continuing development of a fiduciary process for risk management standards.

This is an Excel based system that can analyze a UL policy by allocating defined and policy specific costs into their related fields of classification (premium load/expenses, fixed policy fees, etc.), then recalculating the annual Cost of Insurance (COI’s) that represents the true cost of the Net Amount at Risk. Included is a COI Benchmark that allows the advisor to compare actuarial curves over the life of the policy to those of the Benchmark, bringing to light any actuarial discrepancies in future pricing assumptions.

Our copyrighted process of reverse engineering of these COI’s in any illustration can test the integrity of projected cash value accumulation and its relationship to the Net Amount at Risk variables. In addition, the system will allow the advisor to compare several policies against each other and recalculate the present value of future dollars that would be needed to bring into balance any cash value and COI assumption deficit.

A major advantage lies in the ability to compare illustrated product proposals against the cost and capital efficiencies of a no-load policy. Recalculated graphs then illustrate future cash values and net risk assumptions, which can be adjusted to the Benchmark by checking various selections for automatic recalculation.

The annual licensing cost for this program is $599. (Fee Advisors Network members pay just $509).

(By purchasing a license using the Fee Advisors Network member discount, you authorize financeXpert.com, Inc. to charge your credit card for additional license fees if we determine that you were not a member in good standing of Fee Advisors Network at the time of your purchase or renewal.)

More information and Screenshots

Universal Life Analyzer™ is subject to our End User Licensing Agreement - click here for more information.

Requires Microsoft Excel™ for Office 2003 - Universal Life Analyzer is designed to work on computers that use Microsoft’s XP operating systems and Microsoft Office 2003.  We cannot assure proper functionality of Universal Life Analyzer for users who have other versions of these Microsoft products installed on their computers.

If you would like to purchase the Universal Life Analyzer when it is available for use with Office 2007, Click Here

If you would like information about Fee Advisors Network, including details about how to become a member, Click Here

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