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Who We Are
Opportunity Concepts is a life insurance consulting company specializing in providing opportunities for life insurance owners to optimize the value of their holdings.
We work with insurance agents, attorneys and financial advisors, conducting client policy review and analysis with recommendations for an improved portfolio of life insurance holdings, based on innovative products which have come to the market in recent years and months.
We are also a brokerage company, negotiating the best price for qualified older clients in the secondary market if they would like to sell their policies.
Our Proposition
The performance of financial markets over the past two decades has caused nearly all permanent life insurance policies to under-perform the projections under which they were sold.
A convergence of forces in the insurance industry – extended mortality, reduced expenses, intense competition – has brought improved insurance products to the market. The one constant is that clients want maximum value for their premium dollar, and this often requires policy replacement.
As clients age their life insurance needs often change. For clients nearing their actuarial life expectancy, value may consist of providing the option of converting their life insurance policy which, in many cases, has little or no lifetime value, and may lapse to zero estate value, into a valuable, liquid asset.
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