<p> [Your Logo Here]</p><p>Comprehensive Policy Review Form Letter</p><p>[Date]</p><p>[Client Name] [Client Address] [City, State ZIP]</p><p>Dear [Prospect/Client name here]</p><p>A financial strategy is a living thing that must adapt to the changes in your environment in order to be successful. Changes in your life, however subtle, can affect your strategy in extreme ways and often go unnoticed.</p><p>The following list of life events is just a sample of the many factors that can affect your current financial strategy:</p><p> Marriage  Birth or adoption  Purchase of a new home  Inheritance  Beginning a new job  Increased/decreased debt load  Retirement</p><p>It is imperative to perform annual financial reviews to make sure your long-term financial strategy is keeping pace with the constant changes in your life. A thorough financial review should include your life insurance policies. Policy reviews may expose a need for a change in coverage and may also offer opportunity for cost savings!</p><p>In an effort to help keep my clients’ financial strategies current, I offer a free consultation to review their life insurance policies. I would be happy to extend this offer to you, and help you review your long-term financial strategy. Please call me at [xxx-xxxx] at your earliest convenience to schedule your complementary life insurance policy review.</p><p>Sincerely,</p><p>[Your name here] [Your Logo Here]</p><p>Comprehensive Policy Review Form Letter 2</p><p>[Date]</p><p>[Prospective Client Name] [Client Address] [City, State ZIP]</p><p>Dear [Prospect/Client name here]</p><p>If you are like many responsible and thoughtful consumers you probably have life insurance for yourself and your family. However if you are like many Americans you may not have reviewed your coverage since you purchased it. The concept that you would have your coverage for your lifetime was a valid one.</p><p>As you may be aware there have been many changes in the life insurance industry over the last decade. When combined with the recent changes in the financial markets there are multiple reasons to consider a thorough review of your existing coverage. </p><p>Insurance carriers have made great improvements to product pricing and with people living longer the cost of coverage has actually gone down. However with the turmoil in the financial markets some policies may not be performing up to original expectations and may need updating to ensure that coverage is still as planned.</p><p>For these reasons and more, I am pleased to be able to offer you access to the Comprehensive Policy Review Program. The CPR program is designed to offer you a comprehensive policy review that will provide you with a financial analysis of your present policy. It will tell you if the coverage you had put if place is going to provide the solutions you expected. The goal of the CPR program is to make sure that you are getting what you expected form your policy(ies) as a courtesy and to introduce you to me and my practice.</p><p>I will be in touch soon to discuss how this program may be of benefit to you.</p><p>Sincerely,</p><p>[Your name here] [Your Logo Here]</p><p>Comprehensive Policy Review Form Letter 3</p><p>[Date]</p><p>[Client Name] [Client Address] [City, State ZIP]</p><p>Dear [Client name here]</p><p>If you own life insurance, you’ve made a commitment to protect your family and possibly your estate. However, when was the last time you reviewed your policy? In addition to helping you with your financial needs, I want to make sure you know that I can also help you with your life insurance needs. As such, I’d like to offer you a free, no obligation life insurance review to make sure that your current policy or policies are still in line with your overall financial goals and family situation. Many things can affect your ongoing need for life insurance – an addition to the family, a change in marital status, or business-related changes. However, most of us never take the time to review our policy after we buy it.</p><p>If I can show you a way to get the same coverage for less money or more coverage for the same amount of money, would you be interested? Because you are one of our valued clients, I want to let you know about a complimentary service available to you.</p><p>In every industry, change is constant: the life insurance industry is no exception. The insurance industry has seen changes in the way life insurance is designed, priced, and medically underwritten. Having a life insurance review is no different than having other assets reviewed. Life insurance must be treated as a critical component of your overall financial plan.</p><p>What has changed?</p><p> Life expectations have changed. Medical advances have lengthened people’s lives and insurance companies have implemented pricing and underwriting standards to reflect these improvements.</p><p> Insurance, dividend and interest crediting rates have changed. Economic trends have forced insurance companies to lower crediting rates over the past six years. These lower rates have impacted the way policies have performed. [Your Logo Here]</p><p> Marketing conditions have changed. Fluctuations in the stock market have impacted every aspect of the financial services industry and have especially impacted variable life insurance products.</p><p> Tax laws have changed. Whether the policy is being used for business planning, estate planning, or charitable plans, policies should be reviewed to make sure they are up-to-date with current tax laws.</p><p> Personal planning goals may have changed. Evaluation of your current personal goals is essential.</p><p>What’s involved in a policy review? Basically, we’ll examine your current coverage, assess any life changes that may have taken place since the policy was issued, and help you determine if your insurance still meets your financial goals. There is no charge for this insurance review.</p><p>Contact me at your earliest convenience at (xxx) xxx-xxxx, and we can schedule a consultation and conduct your review.</p><p>Thanks you for your continued trust.</p><p>Sincerely,</p><p>[Your name here]</p>