Insurance Banking® Services

Insurance Banking® is the practice of raising capital or financing for future delivery and on the best available rates and terms. Insurance Banking® Centers (IBCs) are independent financial services firms (i.e., both independent from any particular life insurance company or companies and independent from THEInsuranceAdvisor.COM^[i]) who are uniquely capability of helping clients and their advisors identify and secure best-available rates and terms for optimal life insurance portfolio performance. Insurance Banking® Services that can be expected from a licensed Insurance Banking® Centers includes:

• Identifying the appropriate amount, type, and plan design for a life insurance product for a given client need.
• Using TIA's Confidential Policy Evaluator (CPE) to objectively identify the most appropriate life insurance products(s) for a given plan design in a given client situation.
• Negotiating with underwriters of one or more insurers to achieve optimal rate basis for a given policy or policies.
• Oversee the reinsurance market to preserve the maximum amount of life insurance coverage available at the optimal rate basis in large transactions.
• Constructing, managing, and monitoring a portfolio of insurance products identified as most appropriate for the given client situation, both at the time of implementation and over time.

Follow These Easy Steps to take advantage of TIA's Insurance Banking® Services

Register now, then follow these steps to get the resources you need to assemble and manage the most appropriate insurance products for your clients' portfolios:

1. Use the CPE to evaluate proposals and existing policies and identify potentially more appropriate alternatives.
2. Contact a TIA Insurance Banking Center to secure the best-available rates and terms for you(r client's) life insurance portfolio.
3. Rely on TIA's Insurance Banking® Services for professional planning and lead underwriting services.

Insurance Banking® Centers

Market Access + Market Intelligence = Higher Insurance IQ

Only TIA Insurance Banking® Centers have the market access and market intelligence financial Advisors need to assemble and manage their clients' permanent life insurance portfolios.

To effectively manage their clients' insurance portfolios, financial Advisors need the same kind of market access and market intelligence they have in other areas of their practice. But while some insurance providers may have broad market access, only TIA Insurance Banking® Centers have both the market access and the market intelligence Advisors need.

Market Intelligence for the Most Appropriate Options

Insurance Banking® Centers have both A) demonstrated broad market access (i.e., agents or brokers who represent the interests of some limited number of insurers are not eligible to be Insurance Banking® Centers) and B) licensed to use the Confidential Policy Evaluator (CPE) , TIA's easy-to-use, objective system for evaluating the appropriateness of permanent life insurance products. Now with CPE, find out which policies are designed to perform optimally in a given client situation and plan design, which policy is right for the client, and why. CPE converts the pages of data from policy illustrations into meaningful information you can use to make prudent portfolio management decisions. CPE also translates the often confusing terminology surrounding life insurance products into familiar terms that are consistent with the language of other financial products.

Request a CPE Report to evaluate your clients' new proposals or existing policies. Then Contact Us to request the Insurance Banking Services you need from an Insurance Banking® Specialist in your area.

^[i]TheInsuranceAdvisor.com, Inc. was founded by and it’s products invented by Barry D. Flagg (U.S. Patent #6,456,979), which were developed on generally-accepted mathematical and actuarial algorithms and a consistent and objective rules set, and like all ratings systems, rely on certain judgmental techniques, which are fully disclosed, and with which certain insurance professionals may disagree. Because any evaluation of a life insurance product (especially a variable life insurance product) presented by any financial advisor or registered representative, and pursuant to the sale/purchase of such product presents the potential for a conflict of interest, it is important to understand the methodology behind any such evaluation and the relationship between the evaluator and the registered representative.