How We Do It

How We Do It For Businesses

For Businesses, we serve as a consultative liaison with your advisors to provide technical knowledge, extensive experience, and broad access to product options to help ensure you have what you need to make the best decisions.

  • Marketplace evaluation and creative plan design analysis of advanced techniques
    • Business succession plans using Key Person life insurance
    • Executive Bonus Plans
    • Supplemental Executive Retirement Benefit Plan (SERP) design
    • Split Dollar arrangements and appropriate exit strategies
    • Deferred Compensation Plans
    • Executive Disability Insurance plans
    • Corporate-Owned Life Insurance (COLI) plan design and evaluation
    • Bank-Owned Life Insurance (BOLI) plan design and evaluation
  • Exclusive Life and Disability Income products only available through our affiliation with M Financial Group
  • Guaranteed and simplified issue underwriting advocacy
  • Plan implementation
    • Participant group education
    • Plan transition assistance
    • Electronic enrollment and signatures
  • Ongoing client advocacy and service, including:
    • Annual Plan reviews
    • Rabbi Trust funding administration
    • Plan technology enhancements
    • Insurance industry monitoring and updates

We work closely with you and your professional advisors to identify areas of concern and opportunity and provide solutions that help to bring certainty to the future of your business.

How We Do It For Families

For Families, we serve as a professional consultative liaison with your advisors and provide technical knowledge, extensive experience, and access to a broad array of product options to help ensure you have what you need to make the best decisions.

  • Marketplace evaluation and creative plan design analysis of advanced techniques such as:
    • Defective Irrevocable Grantor Insurance Trust (DIGIT) transactions
    • Premium financing (private or 3rd party)
    • Trust analysis and structuring
    • Redesign of existing life insurance contracts from a due care perspective
    • Solving problems of tax-detrimental ownership, beneficiary, or premium-payor status
    • Portfolio Allocation Models
    • Funding designs for cash accumulation or maximum death benefit at lowest cost
  • Exclusive Life and Disability Products only available through our affiliation with M Financial Group
  • Differentiated underwriting and large case reinsurance management services
  • Proprietary multi-carrier accelerated underwriting capability
  • Electronic forms processing and signatures
  • Ongoing client advocacy and service, including:
    • Annual Plan reviews
    • In-force illustrations
    • Policy changes