In this episode of Planning Reimagined, hosts Celeste Moya and Kris Stegall unpack why routine policy reviews are one of the most overlooked, and most valuable, planning exercises for affluent families and their advisors.

Through a real client story, they explore how a wealth advisor’s simple “second look” at a premium-financed life insurance policy uncovered an uncompetitive loan structure. The result? A refinance that reduced the loan spread and saved the client $80,000 per year…without changing the insurance policy itself.