Independence brings objectivity
We are life and disability insurance specialists focused exclusively on providing leading-edge solutions for our clients’ wealth protection and transfer needs. Since 1969, nationally-known banks, investment firms, accounting firms and law firms have trusted us to advise and represent thousands of their clients on insurance matters. We have helped countless clients fund estate plans, protect their families and businesses, and fulfill charitable intent.
Our successful process is founded on:
- Independence and objectivity: Privately-owned and operated, we are not attached to any one carrier. To the contrary, we have access to more than 50 leading insurance and financial companies from which to select insurance products. Combined with our objectivity, we generate the best possible advice and solutions for our clients.
- Research: Our policy audits and fiduciary reviews are consistent with the obligations outlined in the Uniform Prudent Investors Act. Through the process of evaluating in-force policies, we frequently make recommendations that result in significant savings to the client and greater fiduciary security for the trustee.
- Access: With average annual volume exceeding $1.0 billion in risk management, we have a distinct advantage over our competitors in the breadth of our insurance solutions, as well as our ability to obtain exceptions and offers from carriers. Our volume, combined with our positive relationships with the carriers, allows us to provide insurance coverage at the best possible price.
- Collaborative Relationships: Life insurance is one piece to a much larger puzzle, and frequently is an overlooked asset. We often work with leading business managers, estate planning attorneys, CPAs and financial advisors to protect our clients’ assets and solve their wealth transfer issues.
- Experience: Our principals have over 100 years of combined experience. This depth of experience, coupled with an absence of conflicting interests, results in unbiased advice and services for our clients and their advisors.
- Knowledge and innovation:A key to a successful insurance plan is matching the client’s objectives with the most appropriate solutions. Rather than push insurance products, we apply exceptional technical knowledge of those products with innovative approaches to using them to resolve client needs. This results in a custom insurance solution to accomplish the client’s goals.
We look forward to exploring how our approach to insurance and wealth transfer planning can benefit you.