Find The Money
Find Hidden Value in Your Life Insurance Policy
Life insurance policies are difficult to understand and often contain hidden cash that insurance companies don’t want you to find.
There are many moving pieces to a policy including rates of interest credited, mortality costs, administrative costs, changes in carrier’s ratings, premium history, etc. If policies are not reviewed annually and adjusted accordingly, all of these can impact a policy’s performance and cost you money.
Annual Reviews Can Help Fund Your Retirement!
By performing annual reviews and analysis, The Life insurance Doctor produces game changing results by providing cash, cash savings, and tax savings so you can get the most out of your policy and find more money to fund your retirement, go on vacation, care for a loved one, and more! Watch the video below to learn more.
Spending more than $100k on premiums annually? Using other peoples money you can borrow up to 60% of the cash outlay of the costs + retain that money for your business or an investment.
The life insurance doctor helped secure over $15 million in cash and savings for clients in 2017.
Why Do You Need an Annual Review?
- Ensure policy will remain in force for time frame it was purchased for
- Avoid lapses which occur 90% of the time
- Reduction of costs
- Avoid tax traps caused by excessive borrowing
- Take advantage of best product innovations possible
- Ascertain that trusts and beneficiaries are properly listed and reflect the grantor’s wishes
- Avoid overpayment of premiums which can happen without detailed analysis and understanding of how the policy really works from behind the scenes.
“This is a wonderful, intelligent book that will show you how to make or save money with your life insurance-for life.”
Brian Tracy, Author – The Way to Wealth
President – BT International
Get the Book
Find Hidden Cash
Tell us a bit about yourself to help us identify if you could have hidden value within your policies and we’ll send you a free copy of our ebook.
Don’t take our word for it
What our clients have to say
“I wanted to let you know, I used Kottler for a very complex estate planning case and he was truly amazing. He is the best I have ever worked with, creative and great resources. Every client over 70 is an opportunity to sell an unnecessary policy or restructure stale plans.”
Gary Shamis, CPA, M. Acc. Senior Managing Director and Founder
SS&G, Inc. – CPAs and Advisers
“David has been a trusted advisor for the insurance and estate planning needs of our executives for the past two decades. We value his experience and knowledge. In the past several years, David has identified solutions with beneficial financial and tax planning results which we have utilized.”
Mark Wester, Senior VP and CFO
Waxman Industries, Inc.
“David Kottler is a passionate, genuine and caring person who would do almost anything to help another human in need of help that his skillset and abilities have allowed him to be able to do in this life When it comes to Jewish philanthropy and or the Hebrew word (tzedakah), I would recommend David.”
Jonathan Adam Leebow, Current board member with the Cleveland Hillel in Cleveland, Ohio and the corporate executive leadership committee with Hattie Larlham and co-owner of Majestic Steel USA, Inc.
Majestic Steel USA
“I have known David for over ten years. We have collaborated on various projects with an emphasis on helping local charities through advanced planning techniques. His education, as well as being an attorney and a seasoned businessman, helps make complicated matters easy to understand. I have seen David utilize his “outside the box” thinking to resolve a potential or existing problem for clients. In some cases, the client was not even aware they had a problem. I highly recommend him.”
Nobby Lewandowski – CPA, MBA, Philanthropist, Author, Speaker
“David’s unique ability is his honesty, integrity, and negotiating skills. I believe he is one of the best negotiators and also has the characteristics of determination and persistence. He gets things done and shows a great intelligence for the financial and insurance business.”
Mel Waxman, Business Owner and Philanthropist
“David has worked with me over the past twenty years providing me with excellent advice and products. I have made many hundreds of thousands of dollars benefiting me, my family, and my favorite charities as a result of his shrewd purchase and sales of insurance. I highly recommend him to other clients.”
Alvin Gray, Attorney, Philanthropist
“I am an estate planning attorney who has redirected more than $230 million away from estate taxes to families and charities over the past 25 years, and have helped more than 4,400 clients avoid the risks, costs, and delays of probate, while offering bulletproof protection from any of the 55,000 lawsuits filed each day in the US. I have worked with some of the most successful insurance professionals in the country, and I find David to be one of the best. David worked with me on several very difficult insurance cases and has been successful in generating more than $500,000 in added value and an additional $400,000 in tax savings for two of my clients. He helped my clients rescue several policies which were about to crash and trigger huge income taxes for my clients. I plan to have him review all insurance policies that my clients have to make sure that the policies are healthy and will survive my clients.”
Rodney H. Piercey
Piercey & Associates, Ltd.
“The Strategies in this book by my friend David Kottler could change your life!”
James Malinchak, Featured on ABCs Hit TV Show, Secret Millionaire Author of the Top-Selling Book, Millionaire Success
“David’s book raises some fascinating issues that should be dealt with by all insurance policy owners and their advisors. Having been a trusted advisor for my CPA clients for over 40 years, and a big believer in the value of life insurance for myself and my clients, I realize today more than ever the need for a strong advocate in this area. All you need to do is look at the nancial news to see how many carriers are increasing the owner’s costs.”
Harvey Bookstein, Senior Partner
Armanino CPA FIrm
“All agents, please read this important book for your client’s benefit and yours. We have closed many settlement cases with Geoff and David, getting top dollar for our clients. The process has opened up many new business opportunities for us. Highly recommend them and their book.”
Jeff Wasserman, Managing Partner Life Insurance
“I am an estate planning attorney who has redirected more than $230 million away from estate taxes to families and charities over the past 25 years and have worked with some of the most successful insurance professionals in the country. I have witnessed just how David Kottler excels at his craft. His expertise and knowledge in measuring the heartbeat of a life policy-and better yet-cures for a policy that, by all accounts, is in poor health, caused me to call him “ The Life Insurance Doctor.” He has helped rescue several policies which were about to crash and trigger huge income taxes for my clients.”
Rodney Piercey, Letacy Strategist/Trust Attorney Barrington, IL
“Life insurance is an extremely important piece of the investment and estate planning puzzle for families of wealth. It is also one of the most difficult to understand. His book takes an important and intricate subject and makes it understandable while at the same time warns of the urgency of applying a solid and creative approach to life insurance planning on a timely basis. I have known David Kottler for decades as an entrepreneur and a financial professional. He brings an intelligent and practical approach to this subject for his clients.”
Gary A. Zwick, Attorney
“I had a client with a large term policy with conversion rights ready to expire. After failing to find a buyer with several brokers in the Chicago area, David said let me give it a try. He got such exceptional results that the client referred another friend who became a client. If you want someone who thinks outside the box and has a tremendous network, David is an excellent choice.”
Larry Horwich, Managing Partner
Horwich, Coleman, Levin Chicago, IL
“Every advisor who works or aspires to work with wealthy families should read David Kottler’s book. Life insurance is a very complex asset class but David helped me to better understand when and why life insurance would be an appropriate part of a client’s estate plan. I am confident you will find reading it a worthwhile investment of your time.”
Charles F. Adler, Attorney at Law
“This book is the secret weapon that every person can use to finally understand their life insurance policy. David Kottler has put together a collection of unforgettable personal success tips and lifelong strategies, in a simple playbook format that are incredibly noteworthy and valuable to all of us. David is truly “The Life Insurance Doctor” and his easy to follow guidelines and knowledge to help you achieve financial success in business and life are truly magical!…”
John Formica, (“Ex-Disney Guy”)
“Very important book for attorneys, CPA’s, and agents. I would expect mine to be informed!”
Kevin Harrington, Original shark from Shark Tank. Inventor of the infomercial.
“Innovative, insightful, and impactful.”