Life Insurance Services and Consulting

We don’t do “one size fits all”.

Our services are tailored to the needs of our clients – from a simple term policy to advanced estate and life insurance planning solutions.

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Life Insurance


Making the choice to purchase life insurance is a very personal decision.

Whether this is the first time you’ve consider life insurance coverage or you already have coverage and need more – we are here to help.

Our consultative approach to life insurance makes making a decision quite simple.

We start by getting to understand your current needs and future goals. Only then can we begin to carefully design a plan focused on a solution for you.

We then analyze the marketplace to present you with a solution that includes the most favorable policy at the most competitive pricing available.

Provided the plan is agreed upon – we will work with the insured, insurance carrier, and any other parties involved to streamline the underwriting process.

Once the insurance carrier has approved the policy we will then finalize the decision to execute the acquisition of the coverage.


Advanced Life Insurance


Not all advanced life insurance strategies are created equal.

We are consistently among the first to hear about new tax and insurance ideas – the majority of which are not suitable for our clients because they are either poorly conceived or highly risky.

With that said, we are also among the first to hear about new ideas that are both conservative and powerful, and could be tremendously beneficial for the right person.

By taking the time to understand what you’d like to accomplish and combining that with our experience and knowledge – we are able to carefully craft a plan uniquely suited for your specific situation.

Whether you’ve maxed out your lifetime exemption, unable to identify a premium source, are not insurable, or haven’t been able to find the right solution to meet your needs – we look forward to the challenge!


Policy Review


Your life insurance policy may not do what it was originally designed to do.

Whether you purchased your coverage recently or you’ve had it for decades – reviewing your existing coverage is important.

Our policy review process ensures you understand exactly what’s going on.

We start by getting permission to request policy information from the insurance carrier. After receiving the information, we complete our initial analysis and gather any additional information.

If necessary, we will then complete a market analysis to determine if your existing coverage is still competitive with the coverage available in the marketplace.

We then present our findings to you. Our findings generally include a policy summary and analysis, recommendations, and ongoing plan of action, if needed.

Whether you’re an individual, trustee, or other professional advisor – we are here to provide you with independent, objective advice for your policy.


Fee Based Life Insurance Consulting


Because you’re asking yourself if the life insurance coverage your considering is in your best interest or the agents.

The first question people ask is how can we be paid commission and a fee. The answer is simple – we are paid either a commission or a fee, never both.

Whether you are paying us a fee to recommend new coverage, review a proposal you’ve already received, or analyze existing coverage – many clients feel more comfortable paying a consulting fee.

Life insurance at its foundation is a very simple product. As people explore permanent insurance and different ways to use it – it can become extremely complex.

To understand life insurance, you need to work with a firm who focuses specifically on life insurance and the use of life insurance in advanced business and estate planning.

Simply relying on your account or attorney to guide you through this process would be equivalent to asking us to do your tax return or draft your trust.

Whether you’re an individual, trustee, professional advisor, charity or institution – our fee based solution to life insurance was developed to help put your mind at ease.


Life Insurance Portfolio Management


Charitable organizations, institutions, and third party trustees owning multiple life insurance policies understand how difficult they can be to manage.

Many of these groups find it difficult to not only manage, but understand how their life insurance portfolio is performing.

By working with you and the different insurance carriers to understand the needs of each policy, we are able to provide organizations with the information they need to:

  • Forecast current and future cash flow needs,
  • Identify and monitor under performing policies,
  • Maintain ongoing policy servicing, and
  • Confirm policy owners and beneficiaries

In order to offer this service, we do require a fee. Each project is different. Please contact us if you are interested in learning more.


Life Settlements


If you are over age 75 and are thinking about letting your current life insurance coverage go – it may be time to consider a life settlement.

A life settlement is the process of selling your existing life insurance coverage to a third party.

The third parties we work with are always institutions – never individuals.

A life settlement is the process by which a willing buyer purchases a policy from a willing seller. All this means is if a buyer makes you a big enough offer for your life insurance coverage you’d be willing to sell the policy.

Before you get to excited, there are a number of factors institutional buyers consider before they make an offer on a policy.

We have more than a decade of experience in this industry. Because of this we have the experience and expertise to help guide you through the process.

Before doing a life settlement it is important you are fully aware of all the pros and cons affiliated with selling a life insurance policy.