Product Solutions

Life Insurance & Estate Planning

Through our association with Insurance Designers of America, we support the sale of every type of life insurance. From term to VUL, and everything in between, we provide the most informed, suitable product recommendations based on our intimate knowledge of product construction and client applicability.

When responsibly sold, life insurance is not a commodity, and price should not be the only decision point. Wherever possible, we want you and your clients to understand the important differentiators between carriers and products and how they might affect the policy owner in the future. We know important and valuable details about products that you can’t find elsewhere.

We are experts in the estate planning, retirement income, and corporate benefits markets. We have proprietary sales materials that will help you make the sale and are happy to consult with you or your client’s advisors to find the best solutions.

We are a national wholesaler for variable life products. We can work with almost any
broker/dealer, and our assistance does not affect your compensation.

Ask us the tough questions, we have the answers.

Annuities & Income Planning

We offer virtually every fixed, multi-year guarantee, fixed indexed, and immediate annuity.

We provide quick access to industry standard comparison data and detailed policy specifics. And we have access to industry experts to assist with understanding the intricacies of the new volatility index offerings.

Disability

We represent the top DI providers through our partnership with Insurance Designers of America. More than simply running illustrations, we help you meet the needs of your clients by understanding where available forms of coverage are most suitable for your client.

In addition to individual Disability Income, businesses may utilize Overhead Expense, Key Person DI and Disability Buyout coverage.

Often, these three forms of coverage are combined to keep a business running, provide income to the disabled individual and ultimately transition the ownership of the business. In such cases, financial underwriting and coordination with legal agreements is imperative. We can assist you with making the most suitable recommendations.

Long Term Care

Individual LTC provided through National Guardian Life, and Mutual of Omaha. These products are particularly competitive with younger healthier clients.

In addition to standalone LTC, we also have many linked benefit policies with great LTC benefits, some with premium guarantees and indemnity method payouts.

We can help you with asset based LTC (i.e. “Money Guard” type) products as well as the reimbursement and indemnity method riders to IUL, VUL, and UL products.

Life Settlements

The life settlement market is robust and active. We have participated in this market from the beginning and have an in-depth knowledge of what works, what doesn’t and why. We have access to all funding sources for the most competitive auctions, and the prices we achieve for your clients are consistently excellent.

Think about older clients (75+) with term insurance policies that are expiring. In many instances, these are excellent opportunities to create value where none otherwise exists.