Consulting Services

New Build

Consultation on:

  • Development
  • Design
  • Delivery of LTC-Life insurance solutions

Post Issue

Comprehensive analysis on existing solutions to determine Competitiveness and ideal Positioning in a quickly evolving market.

Area of Expertise:


  • Hybrid Products (aka: Linked Benefit or Asset Based)

Rider solutions on a Life Insurance Chassis

  • LTC Riders
  • Chronic Illness Riders
  • Critical Illness Riders
Engagements and Fees

All consulting engagements and fee arrangements are confidential and unique to every Client. Fees are determined based on the scope of the project agreed to by the Client and Living Benefit Review, LLC. The Client agrees to reimburse LBR for any expenses incurred on their behalf during the engagement. This includes travel, lodging, and meals, along with other costs such as third-party research expenses or conference fees.


Ramona Neal, CLU, ChFC, CLTC, REBC