• Life Insurance
  • Health Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Annuity Arbitrage
  • Premium Financing for Illiquid Estates

Our job is to help preserve our clients’ wealth. Without proper planning and periodic monitoring, wealth can be eroded by inflation, taxes, and even natural disasters. We provide many services for our clients – from an analysis of health insurance and long-term care insurance options and structuring charitable gifts and life insurance trusts, to helping reduce and plan for confiscatory estate taxes.

Of course, no single solution will work for every client. We begin with a comprehensive discovery process that produces a complete inventory of our clients’ assets. Every step of the way, we work closely with our clients and their advisors to understand their goals and objectives.

By organizing our clients’ data into a financial model, we are able to analyze the impact of various factors and better foresee the future levels of their wealth and its distribution to their heirs. This information is often surprising and can serve as a wake-up call. We also use this information as a benchmark against which to measure the success of the plan we design.

As insurance professionals, we are able to provide our clients with the insurance products that we feel are required to help protect their assets. We work with a large number of highly rated insurance carriers to select the most appropriate products for our clients. This can be single life or second-to-die, term insurance or permanent, variable or traditional fixed-interest whole or universal life.


A major focus for us now is favorably acquiring life insurance for people with health impairments, who may think they can’t get it.  For example, a 69 year old business owner client had in place $3,000,000 corporate-owned life insurance to buy back his stock at death.  There was an extra premium charge due to several health conditions and his having been a smoker.  At a review meeting, I suggested we take a fresh look at his insurability level.  It took over a year, but we were able to restructure the insurance to eliminate the extra premium charge and smoker status and save the business over $50,000 per year in premiums – with no reduction in benefits.

The case study results are for illustrative purposes only and should not be deemed a representation of past or future results. This example does not represent any specific product, nor does it reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis.

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