Colva is a fee-only life insurance and life settlement consulting firm that works with high net worth clients and institutional investors alike to maximize the value of their life insurance investments through the following techniques: proper minimization of premiums, use of scarcely used features to protect downside risk and limit upfront capital, and a thorough quantitative and actuarial analysis of the mortality and financial risks of each policy. By educating clients on the consequences of high commission life insurance products, we're able to show clients how to structure their investment to avoid them. Colva is one of the few life insurance and life settlement servicing firms that has hands-on actuarial expertise in the pricing, design, and mortality and financial analysis of life insurance products. This allows Colva’s team to fully utilize various product features that are too complicated for most insurance servicing firms to fully utilize. Proper understanding of these features can result in saving clients unnecessary premium payments. Colva does not sell life insurance. This allows Colva the ability to provide unbiased and quantitative reviews of its clients life insurance policies so that they can structure their life insurance investments to best meet their needs and not the insurance agent's commission targets.