Insurance Solutions

Insurance companies have long taught their agents that insurance is sold, not bought. And agents' compensation is directly tied to the type and amount of insurance they sell—often leading to inefficient amounts of insurance and to policies that do not fit within the client's broad financial plan.

At Spectrum, we believe in prudent risk management. Our process starts with a detailed analysis of our clients' assets, including an "in-force" policy illustration, to determine their ability to withstand the loss. This illustration shows our clients how their policies have performed compared with expectations, and how their policy could react to changes in their underlying assumptions.