Business Details
50+ Years
experience
Trusted Life Insurance Consulting & Expert Witness Services
With over four decades of experience in the life insurance industry, R L Harris has established himself as a trusted authority in life insurance consulting, estate planning, and litigation support. Holding prestigious designations such as Chartered Life Underwriter and Accredited Estate Planner, he provides objective, fee-only expertise to attorneys, accountants, and trust officers navigating complex insurance transactions. His career spans consulting on sophisticated strategies like split-dollar arrangements and premium financing, while his role as an expert witness has consistently delivered favorable outcomes in litigation involving life insurance matters.A prolific writer and speaker, Harris has authored numerous articles and co-authored three books, contributing to industry publications like Trusts & Estates and Wealth Strategies Journal. His commitment to client-centric solutions, combined with his deep technical knowledge and ethical standards, has earned him recognition as a thought leader and trusted resource in the field.
Services
Life Insurance Consulting
Policy Valuation
Litigation Support
Estate Planning Strategies
Premium Financing
Details
- Year established: 1970
Highlights and features
- We offer 45 years of specialized experience in life insurance and estate planning.
- Our expert witness services have a 100% success rate in completed cases.
- We provide fee-only, unbiased consulting for complex insurance transactions.
- Our innovative strategies address unique estate planning and tax deferral needs.
- We are recognized thought leaders with published works in major industry publications.
Associations and certifications
- Chartered Life Underwriter (CLU)
- Accredited Estate Planner (AEP)
What people say
Extremely smart, no-nonsense and well trusted
Depth and breadth of experience
Creative solutions to unusual problems
Trusted professional for estate planning
Personal concern for clients unmatched
Services
Life Insurance Consulting
Providing objective, fee-only consulting for high-net-worth individuals and professionals. Our expertise includes policy analysis, transaction structuring, and compliance reviews. We help clients navigate complex insurance strategies while maintaining independence from product sales.
Litigation Support
Offering expert witness services in life insurance-related litigation. We analyze documents, provide testimony, and educate legal teams on technical aspects of insurance transactions. Our track record includes 100% success in completed cases through settlements or favorable verdicts.
Estate Planning Strategies
Designing customized estate plans using life insurance solutions. We specialize in tax-efficient strategies, irrevocable trusts, and cross-border planning to protect assets and facilitate intergenerational wealth transfer while minimizing tax liabilities.
Policy Valuation
Conducting comprehensive evaluations of life insurance policies. We assess policy performance, pricing accuracy, and alignment with current financial goals to ensure optimal value and long-term viability for policyholders.
Premium Financing
Advising on premium financing arrangements for high-value policies. We analyze financing structures, evaluate risks, and ensure compliance with tax regulations to help clients manage large insurance premiums effectively.
People
R L Harris
Life Insurance Consultant and Expert
With 45 years in the industry, R L Harris is a Chartered Life Underwriter and Accredited Estate Planner specializing in complex insurance strategies. He has authored numerous articles and served on editorial boards for major industry publications.
Questions
What life insurance consulting services do you offer?
We provide fee-only consulting for complex transactions like split-dollar arrangements, premium financing, and policy valuations, ensuring alignment with estate planning goals.
How does your litigation support service work?
We analyze insurance documents, provide expert opinions, and testify in court to help attorneys understand technical aspects of life insurance cases.
What estate planning strategies do you specialize in?
We focus on tax-efficient solutions using life insurance, including irrevocable trusts, cross-border planning, and income tax deferral strategies.
Can you help optimize existing life insurance policies?
Yes, we review policy performance, pricing, and alignment with current goals to ensure maximum value for premium payments.
