Fiduciary Reviews Because of the inherent complexity of the various forms of life insurance available in the market, and the sensitivity of policy performance to broader market conditions, it is recommended that trust-owned life insurance policies be reviewed systematically to assure that the trustee remains in compliance with the requirements of the Uniform Prudent Investor Act.

The Uniform Prudent Investor Act requires the trustee to continually monitor all investments made by a trust.  The specific duties indicated by the Uniform Prudent Investor Act with respect to trust-owned life insurance policies include an evaluation of:

• Insurance Company Credit Risk
• Policy Performance Risk
• Product Pricing
• Policy Maturity Risk
• Suitability

Winged Keel Group provides the specialized expertise needed to help trustees fulfill these fiduciary responsibilities.