40+ Years of Independent Policy Analysis
Have Your Life Insurance Policy Professionally Reviewed
For $495, a licensed analyst stress tests your policy
and tells you exactly where it stands.
You find out whether your coverage is solid, or whether it has a fixable problem you do not know about yet.
Licensed Analyst, CLU. 40+ years. 3,500+ policies reviewed
More than 88% of life insurance policies have an issue the owner does not know about. Most are fixable, but only if they are caught in time.
Life insurance is a 30 year product that almost never gets reviewed like one. Interest rates change. Policy costs change. Insurance companies change.
The assumptions behind the illustration you signed years ago are rarely the assumptions that are true today. Policies do not usually fail dramatically.
They drift. And the families who find a problem after a claim is filed do not get to fix it.
A proper review is how you find out before it matters.
What You Get for $495
What You Get for $495
This is not a sales call. It is a documented, unbiased analysis of your actual policy, performed by a licensed analyst who has reviewed more than 3,500 of them.
Frank stress tests your policy against the things that quietly break coverage:
Whether rising internal costs or interest rate changes are eroding your policy
Whether the insurance company behind it is still financially strong
Whether your beneficiaries and ownership are still set up correctly
Whether you are exposed to overlooked deadlines, lapses, or renewals
Whether the policy still fits what you actually need it to do
You walk away with one of two answers. Either there is a problem you did not know about, and Frank shows you the options to fix it. Or your policy is solid and competitive, and you get the peace of mind of knowing it.
How It Works
1. Pay for your review. Complete your $495 payment securely online. One flat fee, per life insurance policy.
2. Send your documents. We email you a short checklist of exactly what to gather and a secure way to send it. Your policy documents are what let Frank do a real analysis rather than a surface guess.
3. Get your analysis. Frank personally reviews your policy and delivers his findings in plain language, with clear next steps. Your written analysis is delivered within 7 business days of your insurance company releasing your policy data, which usually takes one to three weeks.
Who Performs Your Review
Frank M. Campbell, CLU
Founder, Stratus Financial Partners · Licensed Analyst and Expert Witness
Frank has spent more than 40 years in the life insurance industry, first as an agent and then as an analyst. What he noticed early, and what drove him to start Stratus, is that the people who needed a policy reviewed most were almost never the ones getting one reviewed.
His background includes Naval submarine service, where precision and attention to detail were not optional. They were survival skills. He brings that same standard to every policy he reviews, and he works alongside the attorneys, CPAs, and fiduciaries whose clients own the policies.
3,500+ policies reviewed for individuals, family offices, and trust departments. CLU designation.
Author of "How To Do A Proper Policy Review: No Beneficiaries Left Behind."
"Life insurance is a living benefit, purchased by the living, for the living. It is not something you buy and hold. It is something you buy and manage."
— Frank Campbell
What Advisors and Clients Say
"Either you will discover that there are problems you did not know you had, in which case Frank will help you find fixes, or you will rest easier knowing that you have a solid and competitive policy."
— C.W., Client
"Frank will tell you that he stress tests every policy to make sure that it truly fits the needs of the client and provides the best benefits to be found in the marketplace. I can personally attest to this."
— S.S., Professional
"Frank, you simply give us what we need: an unbiased, simple to understand review of our policy from an expert in this industry. Thank you. I wouldn't change a thing."
— J.A., Client
"Grateful to have had Frank take a keen look at our life insurance policies. He was very thorough, and I have peace of mind that we are protected."
— M.C., Client
Pricing
$495 per life insurance policy. One flat fee for a complete, professional analysis.
Have more than one policy? Each policy is reviewed for $495.
Annuities and more complex products are quoted separately, since they take more work to analyze properly.
Frequently Asked Questions
Q: Do I need my policy documents?
A: Yes. Once you pay, we send you a short checklist of exactly what to gather. The documents are what allow Frank to give you a real analysis instead of a guess.
Q: What if my policy turns out to be fine?
A: Then you have your answer, and it is worth having. A clean review means you can stop wondering and rest easier knowing your coverage is solid and competitive.
Q: Is $495 worth it?
A: A life insurance policy is often one of the largest financial commitments a family makes, and a single overlooked problem can cost a beneficiary far more than $495. The review tells you where you actually stand, in writing, from a licensed analyst.
Q: Do you sell insurance?
A: Frank is a licensed insurance professional. The review itself is an unbiased analysis of the policy you already own. If it surfaces a problem, Frank can walk you through your options to fix it, which may include better coverage. You are never obligated to buy anything to receive your review.
Q: What about annuities or multiple policies?
A: Each life insurance policy is $495. Annuities and more complex products are priced separately. Just reach out and we will quote it.
Q: How do I send my documents securely?
A: After payment, you will receive instructions and a secure method to submit everything. You do not need to mail originals.
88% of policies have a problem. Most are fixable. It starts with a real review.
Know Where Your Policy Actually Stands.
Testimonials
John Doe
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Jane Doe
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