Many advisors are unaware of the elements that are necessary for optimal life insurance policy portfolio construction. Consideration should be given to insurance company capacity, reinsurance resources, performance sensitivity, premium structuring, and other contingencies. Proper portfolio design takes into account all of the insurance coverage levels necessary both now and in the foreseeable future. Other issues include: the cash-flow characteristics of the plans involved such as GRATs, installment sales, split dollar or premium financed arrangements, expected coverage duration, convertibility period for any term life contracts, and product sensitivity to market conditions. Pillar provides a robust set of analytics and services to help advisors feel comfortable that their clients’ requirements have been met in the most optimal fashion.