Colva Insurance Services

Colva is a life insurance firm that works with high net worth clients, family offices, RIAs, and institutional investors alike to maximize the value of their life insurance policies through the following techniques: proper minimization of premiums, use of scarcely used features to protect downside risk and limit upfront capital, and a thorough quantitative and actuarial analysis of the mortality and financial risks of each policy. By educating clients on the consequences of high commission life insurance products, we're able to show clients how to structure their investment to avoid them. Colva is one of the few life insurance firms that has hands-on actuarial expertise in the pricing, design, and mortality and financial analysis of life insurance products. This allows Colva’s team to fully utilize various product features that are too complicated for most insurance servicing firms to fully utilize. Proper understanding of these features can result in saving clients unnecessary premium payments.