The Power of a Policy Review: How One Annual Check Saved $80,000 a Year

In this episode of Planning Reimagined, Celeste Moya and Kris Stegall discuss why routine policy reviews are one of the most overlooked tools in effective financial planning. Through a real-world case, they show how a simple review of a premium-financed life insurance policy uncovered an inefficient loan structure—saving the client $80,000 per year without changing the insurance itself.

The conversation explores how life insurance, premium financing, indexed universal life, disability insurance, long-term care, and annuities should be treated as living financial tools that require ongoing attention. Celeste and Kris also address common misconceptions around policy performance, loan spreads, crediting caps, and illustrated returns—and why complexity makes regular reviews even more critical.

This episode reinforces a core planning principle: implementation is only the beginning. Ongoing review and education are what keep strategies aligned with real-world conditions and client objectives.

Subscribe to Story of the Week(ish) for planning insights in your inbox:

https://zc.vg/P36OR

Learn more at:

https://www.robinglen.com

Disclaimer: This podcast is for educational purposes only and should not be considered tax, legal, or investment advice. Please consult your professional advisors regarding your personal situation.