Business Details
50+ Years
experience
Trusted Life Insurance Consulting & Expert Services in Clifton, NJ
R L Harris LLC has been a trusted leader in life insurance consulting for over four decades. Our firm specializes in policy valuation, litigation support, and expert witness services, catering to high-net-worth individuals and professionals in estate planning, law, and finance. With a focus on sophisticated strategies like split-dollar arrangements and premium financing, we provide objective, fee-only consulting to optimize life insurance portfolios.Our team combines deep industry knowledge with practical solutions, ensuring clients receive tailored guidance that aligns with evolving tax laws and financial goals. Recognized for our expertise in courtrooms and publications, we remain committed to delivering clarity and innovation in complex insurance matters.
Services
Life Insurance Consulting
Policy Valuation
Litigation Support
Expert Witness Testimony
Estate Planning Strategies
Premium Financing Arrangements
Split-Dollar Arrangements
Private Placement Products
Business Continuation Planning
Cross-Border Insurance Solutions
Details
- Year established: 1970
Highlights and features
- We offer over 45 years of experience in life insurance consulting and litigation support.
- Our team holds elite professional designations including Chartered Life Underwriter and Accredited Estate Planner.
- We provide objective, fee-only consulting with no product sales conflicts.
- Our expert witness testimony has achieved 100% client success in completed cases.
- We co-authored industry publications and developed innovative insurance strategies cited in legal proceedings.
Associations and certifications
- Chartered Life Underwriter (CLU)
- Accredited Estate Planner (AEP)
- Registered Trust and Estate Practitioner (TEP)
What people say
Extremely smart, no-nonsense
Depth and breadth of experience
Creative solutions
Trusted professional
Personal concern unmatched
Services
Life Insurance Consulting
Our life insurance consulting service provides objective, fee-only guidance for high-net-worth clients and professionals. We analyze policy structures, evaluate premium financing arrangements, and optimize insurance portfolios to align with estate planning goals. With decades of industry experience, we help clients navigate complex transactions while maintaining compliance with evolving tax regulations.
Litigation Support
We offer comprehensive litigation support services for legal professionals handling insurance-related cases. Our expertise includes policy valuation analysis, transaction suitability assessments, and expert testimony preparation. With a 100% success rate in completed cases, we provide factual, court-ready insights that help attorneys build stronger arguments and achieve favorable settlements.
Expert Witness Testimony
Our expert witness services combine deep insurance knowledge with courtroom experience. We provide clear, impartial testimony on policy valuation, transaction structures, and industry standards. With extensive experience in US District Court and FINRA arbitrations, we help judges and juries understand complex insurance matters through factual, concise presentations.
Policy Valuation
We conduct thorough policy valuations to determine fair market value and performance metrics. Our analysis covers premium efficiency, carrier viability, and policy alignment with current financial goals. This service helps clients make informed decisions about policy retention, replacement, or restructuring while considering tax implications and estate planning needs.
Estate Planning Strategies
Our estate planning strategies focus on integrating life insurance with comprehensive wealth transfer plans. We specialize in split-dollar arrangements, irrevocable trusts, and cross-border solutions that minimize tax liabilities while maximizing asset protection. Our approach ensures insurance policies work effectively within broader estate and business succession plans.
People
R L Harris
Life Insurance Consultant and Expert
With over 45 years of experience, R L Harris is a Chartered Life Underwriter and Accredited Estate Planner specializing in complex insurance solutions. He has authored numerous industry publications, served on editorial boards, and provided expert testimony in major legal cases involving life insurance matters.
Questions
What life insurance consulting services do you offer?
We provide policy analysis, premium financing evaluation, estate planning integration, and objective second opinions on existing insurance programs for high-net-worth individuals and professionals.
Do you provide expert witness services for insurance litigation?
Yes, we offer litigation support including policy valuation analysis, transaction suitability assessments, and expert testimony in US District Court, state courts, and FINRA arbitrations.
How do you help with estate planning using life insurance?
We design customized strategies using split-dollar arrangements, irrevocable trusts, and private placement products to optimize wealth transfer while addressing tax efficiency and business succession needs.
What makes your policy valuation service unique?
Our valuation combines technical expertise with litigation experience, providing comprehensive analysis of policy performance, carrier viability, and alignment with current financial objectives.
Are your consulting services fee-only?
Yes, we operate on a fee-only basis with no product sales commissions, ensuring completely objective recommendations tailored to each client's specific needs.
