Business Details
50+ Years
experience
Trusted Life Insurance Consulting & Expert Services in Clifton, NJ
With over four decades of experience, R L Harris has established himself as a leading authority in life insurance consulting, policy valuation, and litigation support. Our firm provides objective, fee-only expertise to high-net-worth individuals and professionals, addressing complex matters such as split-dollar arrangements, premium financing, and private placement products. Holding prestigious designations including Chartered Life Underwriter and Accredited Estate Planner, we combine deep technical knowledge with practical solutions to optimize life insurance portfolios and ensure alignment with estate planning goals.Our litigation support services leverage extensive courtroom experience, delivering factual, impartial expert testimony that has secured favorable outcomes in 100% of completed cases. Recognized by industry peers and publications like Forbes, we maintain editorial advisory roles and contribute thought leadership to advance best practices in life insurance and wealth management.
Services
Life Insurance Consulting
Policy Valuation
Litigation Support
Expert Witness
Estate Planning Strategies
Details
- Year established: 1970
Highlights and features
- 45 years of specialized experience in life insurance and estate planning
- Holds three industry-leading professional designations (CLU, AEP, TEP)
- Proven expert witness with 100% success rate in completed litigation cases
- Contributor to leading industry publications including Trusts & Estates
- Fee-only consulting model ensuring objective, conflict-free advice
Associations and certifications
- Chartered Life Underwriter (CLU)
- Accredited Estate Planner (AEP)
- Registered Trust and Estate Practitioner (TEP)
What people say
Extremely smart
No-nonsense
Trusted professional
Creative solutions
Unmatched client concern
Services
Life Insurance Consulting
Our fee-only consulting services provide objective analysis of life insurance transactions including split-dollar arrangements and premium financing. We help professionals evaluate policy efficacy while ensuring alignment with estate planning objectives. Our expertise extends to cross-border situations and business continuation planning, offering tailored solutions that optimize tax benefits and policy performance.
Policy Valuation
We deliver certified fair market value appraisals for life insurance policies, crucial during ownership changes or estate settlements. Our valuations consider IRS regulations and tax implications, providing defensible assessments that insurance companies cannot dispute. This service ensures compliance with code sections governing policy transfers and helps prevent unintended tax consequences.
Litigation Support
Our litigation support includes expert witness testimony and document analysis for life insurance cases. With courtroom experience in federal and state courts, we reconstruct transaction details, identify overlooked evidence, and present complex insurance concepts clearly. This service has secured favorable settlements in 100% of completed cases through factual, impartial expert opinions.
Estate Planning Strategies
We develop customized estate planning solutions using life insurance products to address gift tax mitigation and generational wealth transfer. Our strategies optimize policy ownership structures while ensuring tax-efficient income deferral. This service integrates with broader financial plans to protect assets and maintain client legacy intentions.
Expert Witness Testimony
As a testifying expert, we provide impartial analysis of life insurance matters in legal proceedings. Our courtroom presentations clarify complex policy structures and transaction standards while maintaining ethical credibility. This service covers suitability assessments, policy ownership disputes, and premium financing arrangements across various litigation contexts.
People
R L Harris
Life Insurance Consultant and Expert
With 45 years in life insurance, Richard holds CLU, AEP, and TEP designations. He contributes to Trusts & Estates and Wealth Strategies Journal, co-authored three books, and serves on multiple editorial boards. His litigation expertise has secured favorable outcomes in complex insurance cases nationwide.
Questions
What life insurance consulting services do you offer?
We provide fee-only consulting for split-dollar arrangements, premium financing, private placement products, and policy optimization. Our services help professionals evaluate transaction efficacy and ensure alignment with estate planning goals.
How does your litigation support work?
We offer expert witness testimony and document analysis for life insurance cases. With 100% success in completed cases, we reconstruct transactions, identify evidence, and present complex concepts clearly to judges and juries.
What estate planning strategies do you specialize in?
We develop customized solutions using life insurance for tax-efficient wealth transfer, business continuation, and cross-border planning. Our strategies optimize policy ownership structures while maintaining client legacy intentions.
How do you handle policy valuations?
We deliver certified fair market value appraisals considering IRS regulations and tax implications. Our valuations ensure compliance during ownership changes and prevent unintended tax consequences from policy transfers.
What credentials do you hold?
We hold Chartered Life Underwriter (CLU), Accredited Estate Planner (AEP), and Registered Trust and Estate Practitioner (TEP) designations, with 45 years of industry experience and editorial advisory roles.
