Policy Management Company (PMC) Partnership

Valmark’s Policy Management Company partners with your financial professional to reduce the risk of your life insurance policy not performing as designed.

Through a detailed review process and objective analysis, the PMC determines the current performance of your policy and identifies solutions to improve it as needed. Active and ongoing management with annual reviews keep the policy on track and performing as intended.

Number of different product companies managed by the PMC

Number of different products managed by the PMC

Amount (in billions) of death benefit under management

Percentage of policies without active management that are underperforming


Thought Leadership

No One In The Pilot’s Seat

Whose Policy Is It Anyway?

PMC Ongoing Policy Management

Results of Reactive vs. Proactive Policy Management

Why Do I Need To Manage My Term Life Insurance Policy

Options for Clients Who No Longer Want or Need Insurance


Case Studies

Insurance Review Uncovers Pending Policy Lapse

The Case of the Missing Loan Repayment

The Case of the Premium Over-Payment

Policy Review Uncovers Tax Issues

Review Uncovers Carrier Mistake

Review Saves an Underperforming Policy


PMC Resources

PMC Partnership Brochure

PMC Team

Who’s Managing your Policy?

Insurance Carrier Premium Payment Info

PMC Review and Alternative Options Process

Policy Performance EvaluationTM

A Policy Performance Evaluation (PPE) is a comprehensive assessment of the performance and trajectory of an individual life insurance policy. The review investigates potential issues and provides solutions to improve the current coverage or explore better alternatives. PPEs are especially well-suited for analyzing blocks of policies under the supervision of a law firm, trust company, accounting practice, business, or charity.

Thought Leadership

Why Are Trust-Owned Policies Falling Short of Expectations

PPE Case Study

Policy Performance Evaluation is an Invaluable Tool for a Trustee

PPE Case Study

$1 Million Question

Meet your PMC Team at Valmark

Lawrence J. Rybka, JD, CFP®
Chairman and CEO
Valmark Financial Group

Chris Bottaro, MBA
Vice President of Insurance Services
Valmark Financial Group

Michael Michlitsch, MBA, CRPC®, FLMI
Vice President, In Force Insurance Solutions

Michael Amoia, JD, LLM (TAX), CLU®, ChFC®
Vice President, Advanced Markets

Jennica Foster, ALMI
Senior Policy Management Analyst
Valmark Financial Group

Justin Schema
Senior Policy Management Analyst & Certified Insurance Fiduciary™
Valmark Financial Group

James Dawson, CFP®, CLU®
Director, Life Settlements
Valmark Financial Group

Calvin Rosen, ALMI
Policy Management Associate
Valmark Financial Group

Chenny Koulavong
Policy Management Associate
Valmark Financial Group

Contact Us

Do you have in-force policies in need of a review?

We would love the opportunity to have a conversation with you about our ongoing policy management and monitoring service.

Please send us a message below and we will get back to you as soon as possible.

Securities offered through Valmark Securities, Inc. Member FINRA/SIPC. Investment advisory services offered through Valmark Advisers, Inc., a SEC Registered Investment Advisor.
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