Advanced Planning

Some insurance cases require more than selecting a product and running an illustration. They require thoughtful case design, coordination with other professionals, and a clear understanding of what the client is trying to accomplish.

We work alongside financial advisors on complex life insurance cases involving high-net-worth individuals, business owners, and clients with advanced estate and wealth planning needs.

My team and I can help with case design, illustrations, underwriting, and access to advanced planning resources to help advisors evaluate and implement more sophisticated insurance strategies.

Advanced Planning Solutions

We support advisors with a range of advanced planning strategies, including:

• Estate Planning and Wealth Transfer
• Premium Financing
• Split-Dollar Life Insurance
• Life Insurance in Qualified Retirement Plans
• Irrevocable Life Insurance Trust (ILIT) Planning
• Charitable Planning
• Large Life Insurance Cases
• Policy Reviews and Existing Policy Analysis

Our role is to help you understand the insurance opportunity, evaluate potential strategies, and coordinate the insurance component of the case with the client's legal, tax, and other professional advisors.

How We Help

Bring us the case, and we'll help you take it from concept to implementation.

1. Understand the Objective

We start by understanding the client's goals, financial situation, existing planning, and what the advisor is trying to accomplish.

2. Design the Strategy

We help evaluate potential insurance strategies, structure the case, and model different approaches to determine which options may fit the client's objectives.

3. Coordinate the Case

For more complex planning, we can work alongside the client's attorney, CPA, and other professional advisors and provide access to advanced planning resources when appropriate.

4. Implement the Insurance

Once the strategy has been determined, we help coordinate illustrations, underwriting, case management, and placement of the insurance.

You maintain the client relationship. We provide the insurance expertise, case design, and advanced planning support to help move the case forward.

Have an Advanced Planning Case?

If you have a complex case and aren't sure how to structure the insurance component, let's take a look at it together.

Business owners face risks that go beyond their personal insurance needs. The loss of an owner or key employee can affect the value, cash flow, and future of the business.

We work alongside financial advisors to help identify these risks and design insurance strategies that help protect the business, its owners, and their succession plans.

From buy-sell funding and key person coverage to disability protection and business loan requirements, my team and I help advisors structure and implement the insurance component of the plan.

Business Planning Solutions

We support advisors with a range of business planning strategies, including:

• Buy-Sell Agreement Funding
• Business Succession Planning
• Key Person Life Insurance
• Key Person Disability Insurance
• Disability Buy-Out (DBO)
• Business Overhead Expense (BOE)
• Business Loan Protection and Loan Indemnification
• Business Valuation Support
• Exit Planning

Our goal isn't simply to provide insurance quotes. It's to help you identify the risks, understand the business need, structure the insurance solution, and bring in the right resources when the case becomes more complex.

How We Help

1. Understand the Business

We start by understanding the ownership structure, business value, key people, existing agreements, and what the owners are trying to accomplish.

2. Identify the Risk

We help identify potential gaps involving death, disability, business succession, key employees, and business obligations.

3. Design the Solution

We help structure the insurance strategy, evaluate carrier and product options, and coordinate with the client's attorney, CPA, and other professional advisors when appropriate.

4. Implement the Plan

We help with case design, illustrations, underwriting, case management, and placement of the insurance.

You maintain the client relationship. We provide the insurance expertise and business planning resources to help you get the case done.

Have a Business Planning Case?

Whether you're working on a buy-sell, key person case, business succession plan, or a more complex business insurance need, let's take a look at it together.