Bring us the pitch. We'll show you the math.
Been presented a policy you're not sure about — or own one you don't fully understand? We stress-test it and put the answer in writing. Sometimes the answer is "this is fine." You get that in writing too.
Most insurance decisions go wrong in one of two places: at the pitch, when one optimistic illustration stands in for analysis — or years later, when a policy quietly stops doing what its owner believes it does. A second opinion addresses both, and it is the lowest-commitment way to work with us: one document from you, one document back from us.
We don't need to know who pitched you, and we don't critique people — we test numbers.
What we review
An illustration you've been pitched
We re-run the design at reduced crediting assumptions, map the charges in the first ten years, model what happens if funding stops mid-stream, and compare it against the honest alternative — including plain taxable investing. Then we tell you what has to be true for the pitch to win, and what has to be true for it to lose.
A policy you already own
In-force policies drift: crediting assumptions age, loans accrue, "vanishing premiums" don't vanish, trust-owned policies go unreviewed for a decade. We request an in-force illustration and reconcile what the policy is actually doing against what it was sold to do.
Your coverage as a whole
Group benefits look bigger than they are — caps, taxes, and definitions do quiet damage. We audit what you actually have against what your situation requires, in priority order. Our worked example shows exactly what this looks like.
An online quote that changed after underwriting
Instant term quotes assume a near-perfect health class; real underwriting then reprices. If your "$38 a month" came back at $95 — or came back declined — send it over. We'll tell you in plain terms what happened, whether a different carrier's underwriting would treat your specific history better, and whether the offer in front of you is worth taking. Sometimes it is, and we'll say so.
What you receive
A written second-opinion memo: the assumptions, the arithmetic, the stress tests, and a clear conclusion — proceed, modify, replace, or keep exactly what you have and do nothing. That last verdict happens, and it costs you nothing to hear it. The memo is yours regardless of what you decide, and it is written to be handed to your CPA, attorney, or fiduciary advisor for their review.
The economics, stated plainly
There is no fee for a second opinion. Our compensation comes from carrier commissions if — and only if — you later choose to implement a recommendation through us. That means we have an incentive to find problems, and we are direct about it. The discipline that offsets the incentive: the memo is written knowing other professionals will read it, and a "keep what you have" conclusion is published proof that the analysis, not the commission, drives the answer. Replacing an existing policy is a regulated decision with real costs; our memo will say so explicitly whenever replacement is on the table.
How it works
Send the illustration or policy statement after a brief scheduling call, allow about a week, and we walk you through the memo on a video call. If the conclusion is "you're fine," we part as friends and you keep the document. If something needs fixing, you'll already understand exactly what and why — and you choose the pace from there.
Advisors and attorneys sending a client for review: see how we work alongside you.
Have an illustration sitting in your inbox?
A second opinion starts with a short conversation. No fee, no obligation, and the memo is yours either way. Send the details in a minute, or book a call — whichever you prefer.
Request a second opinion Schedule a call insteadSecond-opinion reviews are educational analyses of documents you provide. Recommendations to purchase, modify, or replace coverage are made only within an engagement, after suitability analysis, and replacement transactions are subject to applicable state replacement regulations. Figures in any review depend on carrier-provided illustrations and in-force data. LogicPoint Advisors does not provide investment, tax, or legal advice. Cosmin Mandachescu · FL 2-15 License #G335891.