Services
Full Spectrum of
Risk Management Solutions
We help you enhance your services and fulfill your promise of complete, comprehensive financial planning. The real benefit is providing wealth protection and income planning solutions for clients in an unbiased, consultative environment.
Estate, Business, & Tax Planning Strategies
Legacy & Wealth Transfer
Income Planning & Annuities
Life Insurance Analysis
Long-Term Care Funding
Disability Income Insurance
In-Force Policy Assessments
Charitable Gifting Strategies
Underwriting Expertise
Sound and efficient underwriting is one of our elite points of distinction. Our Underwriting Team evaluates life insurance risks for the purpose of determining the best available product/solution.
We provide support to advisors and clients in:
- Providing pre-sale underwriting opinions
- Managing quick quotes from carrier on less complex underwriting issues
- Assisting in carrier selection by evaluating carrier underwriting strengths
- Partnering with internal sales resources to properly position cases
- Summarizing complex medical history for submission to carriers
- Working closely with the case managers to assist with underwriting issues encountered during the new business process
- Negotiating carrier offers where appropriate to ensure the best underwriting offer is received
- Managing complex and jumbo cases
- Maintaining strong collaborative
relationships with dedicated teams at our carrier partners
Policy Review Process
We can review the objectives and inner workings of your clients’ existing insurance policies to help ensure they fulfill their intended purpose. If the policy is not performing with your client’s current goals and objectives, we consult with you on how the policy could be brought into alignment.
- We review your clients’ existing coverage to confirm alignment with their plan.
- Stress-test policies against real-world scenarios.
- Add value to your client relationships
Advanced Case Design
In addition to evaluating the decisions you and your clients have made with their legal and tax advisors, we become an integral resource as part of your wealth accumulation and wealth- transfer team. We design insurance solutions that help minimize your clients’ risk and maximize available planning techniques:
- Tax-advantaged strategies using insurance techniques.
- Business succession and estate equalization strategies.
- Personal estate and gifting strategies to help ensure the orderly transition of your clients’ wealth and legacy.
- Multi-generational planning.