About us.
Our holistic approach
Addresses each client’s unique needs across various areas. Our expertise includes Private Placement Variable Universal Life Insurance (PPVUL) for optimizing wealth transfer and tax-free income, Private Placement Variable Annuities (PPVA) for tax-deferred growth, and customized traditional life insurance solutions to secure families' futures. We also help clients explore annuity options for reliable retirement income streams and design tax mitigation strategies with solar and energy investment opportunities. Whatever your and your family’s needs are, we are here to work for you.
Our comprehensive assessment
Involves several key steps to ensure your coverage aligns with your needs and goals. First, a needs analysis evaluates your current and future life insurance requirements. The policy review checks ownership, beneficiary designations, and product types. A performance analysis assesses the policy's growth, death benefits, and underwriting class, while a cost analysis identifies opportunities to reduce charges and optimize the policy’s value. Carrier evaluation ensures your insurer’s financial strength and stability, and restructuring strategies, such as policy consolidation or 1035 exchanges, may be explored to improve your coverage. Finally, a market comparison surveys available options to identify more cost-effective or better-suited insurance products.
