ValMark is a market leader in the development of innovative insurance and investment platforms and models for the ultra-high-net-worth and business markets, available exclusively to ValMark Member Firms. These programs are developed in conjunction with Member Office Advisory Teams composed of national authorities selected for their expertise on particular subjects.  Several examples of these programs are described below.

THE TOLI EXPERT SYSTEM™: Addresses the complex tax, trust and legal issues involved in the ownership of life insurance inside irrevocable insurance trusts. It employs a comprehensive five-step process (including the Life Insurance Policy Management Statement™ and The Life Insurance Design Questionnaire®) to assure that the client receives clear objectives for the insurance and written quantifiable standards in the selection, structure, maintenance and service of the policy over the grantor’s lifetime.

THE CLEARVIEW SYSTEM™: A professional process that gives clients a transparent view of the roles in which an insurance advisor may serve, either as an Agent, a Broker, or a fee-based Consultant. 

THE UNDERWRITING ADVOCACY PROGRAM™: A disciplined process that helps clients obtain the best possible underwriting offers for the purchase of life insurance.  Particularly helpful in situations involving large amounts of life insurance and/or a health impairment, the process employs specialized medical expertise and a unique method of packaging the case in order to obtain insurance on the most favorable terms.

THE LIFE SETTLEMENT ADVOCACY PROGRAM™: A FINRA-compliant, systematic life settlement process with specialized support tools and documentation to help clients make safe, informed and objective decisions while streamlining the life settlement process with complete transparency.

THE OPTIMIZED PORTFOLIO SYSTEM (TOPS)™: ValMark’s industry-recognized portfolio allocation system using Exchange Traded Funds (ETFs).