• Policy reviews
  • Premium Finance
  • Premium Minimization
  • Liquidation and expense avoidance
  • ILIT consulting/trustee management
  • Life settlement market valuation and advisory services
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  • Help investment groups deploy capital efficiently in the market
  • Identify undervalued policies and minimize premiums on them
  • Portfolio and individual pricing and valuation
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About Colva

Colva is a life insurance, annuity, and life settlement actuarial consulting firm that acts as fiduciaries for our clients. What this means is that we use our life insurance and actuarial expertise to explain to our clients how these products work and how to structure them so that they get the most value out of them.

Since we’re a fee only consulting company—and do not sell or make commissions on these products—we can offer our clients both unparalleled and unbiased actuarial guidance that best serves their interests. Whether you’re a multi-billion dollar investment group or a just a high net-worth individual, we provide you with the same high level of actuarial analysis. Life insurance and annuity products can offer clients great value.Unfortunately many life insurance and annuity agents try to sell clients products that maximize the agent’s commissions at the expense of the client’s best interests.

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Colva’s Ideal Clients

  • Private Wealth Management Community
  • Elder Care Community
  • Life Settlement Investors

Private Wealth Management Community

Registered Investment Advisory (RIA) Firms, Investment Advisor Representatives (IAR), no-fee financial planners, family offices, and other financial planners need qualified and trusted life insurance and annuity advisors that act as fiduciaries and put their clients’ interests first. Colva has the actuarial and product expertise to do this.

Elder Care Community

Elder care lawyers, estate planners, assisted living facilities, and home health care companies all have clients who have increasing health care expenses as they get older but limited needs to pay them. We want to educate these communities about how their patients can use their life insurance policies to pay for any medical and other expenses that they have through the use of life settlements (selling their life insurance policy).

Life Settlement Investors

Institutional investors, capital groups and private equity groups interested in earning their investors a net 11%-13% diversified return that is not correlated to traditional equity markets can benefit from Colva’s specialized actuarial and product expertise in the life settlement market.

Minimize Expenses, Maximize Returns

You wouldn’t think of spending hundreds of thousands or millions on a home investment without having a qualified unbiased representative evaluate its market value and protect your investment would you? So why would you invest this amount of money into a life insurance or annuity product without doing so?

Why Colva

Life insurance and annuity products can offer clients great value. Unfortunately, these products are also complicated and difficult to understand. On top of that, many life insurance and annuity agents try to sell clients products that maximize the agent’s commissions at the expense of the client’s best interests.

How Colva

At Colva we use our actuarialexpertise in having priced these products for a major life insurance carrier to explain to our clients exactly how they work and what the keys are to minimize the premium they pay for the policy while also maximizing their returns.

Who Colva

Colva is a fee-only life insurance, annuity, and life settlement actuarial consulting firm that acts as fiduciaries for our clients and doesn’t make commissions from our advice. Unlike most agencies, we actually understand how these products work and how to structure them so that our clients get the most value out of them.

Our Blog


Why Fee-Only Fiduciary Financial Advisors Should Be Considering No-Commission Fixed and Indexed Annuities for Conservative High Net Worth Clients over Traditional Bond Investing

Summary: Conservative clients traditionally allocate larger percentage of their assets to bond funds in order to seek long-term principal protection and stability. However, the effect of high ordinary income tax consequences and the loss of long-term return due to volatility makes this ineffici


Life insurance is an important part of a client’s financial plan: But are they spending more than they need to?

The goal of any comprehensive financial advisor is to help protect the financial situation of their clients and their families as the client ages. The financial advisor wants to ensure that when the client retires the client and their families are fully taken care of. Life insurance is an important


High Net Worth Fiduciary: Providing high net worth clients with specialized advice

High net worth individuals have a multitude of needs that require specialized expertise and attention:  strategies to avoid estate taxes so that wealth being passed on to beneficiaries can be maximized, tax-deferral/tax avoidance strategies to avoid paying high marginal tax rates on income, etc.


The Problem with Life Settlements for Seniors: And it has everything to do with commissions

As seniors get older and their health deteriorates, they have an increasing need for assisted living and health care services to take care for them. Unfortunately seniors don’t always have the monetary resources to afford them. In addition to these increasing expenses, seniors may also have


The Hidden Costs of Permanent Life Insurance

Why policy owners end up paying tens of thousands more than they need to Are Life Insurance Agents Making Recommendations In Their Client’s Best Interests or Their Own? For clients considering purchasing permanent life insurance, the options can be daunting. Life insurance policies address man


Life Insurance Policy Review Blog

As an actuary who helped to price and analyze policies for a large life insurance carrier, I quickly saw how policy owners end up getting the worst end of the deal. While agents can earn 80% to 100% of the first year premium that policy owners pay for a permanent life insurance policy, nearly 5


How to Structure Permanent Life Insurance to Surpass Buy Term and Invest Strategies

Buy term and invest the difference is your best bet when it comes to life insurance—unless you find the right product and fund it properly. For high net worth investors who already invest in U.S. Treasuries as part of their bond portfolio, properly structuring certain permanent life insurance p


How Low Commission Life Insurance Products Maximize Returns

By now we all now the problems with permanent life insurance: low returns and high premium costs. However, these poor returns are largely due to the large commissions paid to agents who sell these policies. In our previous post (see here) we discussed how most life insurance products impose high su

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