While providing sophisticated life insurance solutions has been our specialty for over four decades, we have continuously evolved in order to meet the needs of our clients and advisor partners. In more recent years, our guidance has been sought to assist with solving other personal and business insurance-related issues. These requests have, in turn, prompted our expansion into other areas of risk management.
Today, we utilize our proprietary methods and analytics to help clients protect their income, preserve their assets, and transfer their wealth. This is accomplished through the evaluation, structuring, acquisition, and management of insurance portfolios. Contrary to popular belief, insurance policies are not commodities. In fact, companies issue policies with varying contract language, cost structures, and actuarial assumptions.
These elements allow us to creatively design the insurance portfolio in a cost-efficient manner. Risk Transfer - Shifting risk from client to carrier by capitalizing on product inconsistencies.
Today, we utilize our proprietary methods and analytics to help clients protect their income, preserve their assets, and transfer their wealth. This is accomplished through the evaluation, structuring, acquisition, and management of insurance portfolios. Contrary to popular belief, insurance policies are not commodities. In fact, companies issue policies with varying contract language, cost structures, and actuarial assumptions.
These elements allow us to creatively design the insurance portfolio in a cost-efficient manner. Risk Transfer - Shifting risk from client to carrier by capitalizing on product inconsistencies.
Services
We help affluent families preserve, enhance, and transfer their wealth through the use of various insurance strategies.
This enables our clients to maximize the assets left to their family members and/or charitable organizations.
Aside from a client's insurance needs changing, evolving product designs, structuring/funding options, mortality/underwriting considerations, and a more competitive secondary marketplace, all support the argument for a periodic evaluation.
We offer a life insurance portfolio review that provides clients with a comprehensive assessment of their insurance holdings.
This enables our clients to maximize the assets left to their family members and/or charitable organizations.
Aside from a client's insurance needs changing, evolving product designs, structuring/funding options, mortality/underwriting considerations, and a more competitive secondary marketplace, all support the argument for a periodic evaluation.
We offer a life insurance portfolio review that provides clients with a comprehensive assessment of their insurance holdings.
Executives and professionals are high earning individuals needing to secure their income and maximize their retirement funds.
The need for income replacement typically exceeds what is provided through group life insurance.
We help clients fill that gap to cover their personal obligations and desires.
Design a portfolio that accomplishes the goals of today, while also providing for continuing the schematic long-term.
Disability insurance products are an integral part of protecting earnings against loss due to accident and/or illness.
The need for income replacement typically exceeds what is provided through group life insurance.
We help clients fill that gap to cover their personal obligations and desires.
Design a portfolio that accomplishes the goals of today, while also providing for continuing the schematic long-term.
Disability insurance products are an integral part of protecting earnings against loss due to accident and/or illness.
Proper planning is vital to protecting a closely held business from potentially devastating outcomes.
Some of the company's largest risks can be mitigated through the use of traditional and specialty life and disability coverage.
For closely held businesses with more than one owner, buy-sell agreements serve as the anchor of their continuation plan.
These buy-out plans are crucial in the event that an owner prematurely passes away or becomes disabled.
Provide a lump sum payment, in the event of an owner's death, for the surviving owner(s) to buy out the decedent's business interest.
Some of the company's largest risks can be mitigated through the use of traditional and specialty life and disability coverage.
For closely held businesses with more than one owner, buy-sell agreements serve as the anchor of their continuation plan.
These buy-out plans are crucial in the event that an owner prematurely passes away or becomes disabled.
Provide a lump sum payment, in the event of an owner's death, for the surviving owner(s) to buy out the decedent's business interest.
Athletes and entertainers present a unique set of challenges for insurance underwriters.
Many traditional products are not available to them due to an increased risk of injury, lifestyle considerations, and even the high-profile nature of the individual.
Within this segment, we supply various specialty solutions to help these clients hedge risks that would otherwise be left exposed.
These strategies are offered to athletes, their representatives, team management, entertainers, corporations contractually tied to the artist, and other entertainment industry professionals.
Many traditional products are not available to them due to an increased risk of injury, lifestyle considerations, and even the high-profile nature of the individual.
Within this segment, we supply various specialty solutions to help these clients hedge risks that would otherwise be left exposed.
These strategies are offered to athletes, their representatives, team management, entertainers, corporations contractually tied to the artist, and other entertainment industry professionals.
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