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Forensic Review of Life Insurance®

A Forensic Review of Your Life Insurance® Isn't just Smart. It's Essential

If your Whole Life (WL), Variable Universal Life (VUL), Universal Life (UL), or Survivorship Universal Life (Second-to-Die, or SUL) policy is at least 10 years old, we deliver a tailored, competitive market study that shows where you may be able to:

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Forensic Review of Life Insurance®

A Forensic Review of Your Life Insurance® Isn't just Smart. It's Essential

If your Whole Life (WL), Variable Universal Life (VUL), Universal Life (UL), or Survivorship Universal Life (Second-to-Die, or SUL) policy is at least 10 years old, we deliver a tailored, competitive market study that shows where you may be able to:

  • Lower your premiums by an average of 50% without reducing your benefits.
  • Increase the benefits by an average of 50% without changing your premiums.
  • Add living benefits, like Long Term Care with a fixed premium.
  • Put cash in your pocket or eliminate policy loans.
  • Identify policies that are in danger of premature, unexpected lapse.
  • Extend guarantees.


How that’s possible:

  • Life insurance is cheaper today because Americans are living longer.
  • We use an IRS-approved tax-free strategy that lets you use the cash value in your current policy to turbocharge your new policy.
  • At SWA, we advocate for our clients with carriers to get the best outcomes.
  • We’ll use our proprietary and trademarked Forensic Review of Life Insurance® to compare your current policy with what’s available today from every appropriate A+ carrier in the country.


You’ll get a spreadsheet that shows the comparison. Then, when appropriate, our in-house underwriters aggressively negotiate to get multiple carriers to compete for your business.

To qualify, you should:

  • Own a WL, VUL, UL, or SUL policy with a face value of at least $500,000.
  • Have owned the policy for at least 10 years.
  • Be in relatively good health for your age.

It is important that you read and understand the risks and benefits associated with all insurance products recommended by Sheridan Wealth Advisors before you decide to purchase a new insurance product or replace an existing one.

We at Sheridan Wealth Advisors encourage you to do your homework and ask as many questions as you want before deciding to purchase or replace an insurance product.

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