A professional who reviews assets and liabilities of estate to determine that insurance is adequate for financial protection of estate. Responsibilities include:

• Studies legal instruments, such as wills, trusts, business agreements, life insurance policies, and government benefits to estimate value and expenses of estate.
• Computes expenses, taxes, and debts to determine value of adjusted gross estate, using knowledge of accounting and tax laws.
• Prepares and discusses insurance program with client that will provide maximum financial security for family and protect investments.
• Suggests purchase of additional or new life insurance when analysis of estate indicates need for meeting cash demands at death.
• Discusses legal instruments with family attorney if study indicates need for change.
• May be required to hold state license.