Business Details
43 Years
experience
Your Trusted Partner for Advanced Life Insurance & Estate Planning Solutions
Risk Resource is a nationally recognized life insurance firm specializing in business and estate planning. Since 1983, we have dedicated ourselves to safeguarding the financial well-being of clients through comprehensive life insurance and succession planning strategies. Our client-centric approach prioritizes trust, transparency, and empathy, ensuring tailored solutions that align with individual needs. As a third-generation Arizona-based company, we combine 40 years of industry experience with a commitment to innovation, serving thousands of families and business owners nationwide.Our team of certified professionals leverages deep expertise in advanced life insurance products to address complex estate planning challenges and business continuity needs. We maintain independence to represent over 100 reputable insurance carriers, ensuring optimal coverage options for our clients. Through personalized service and rigorous attention to detail, we strive to be the unwavering partner protecting our clients' futures against life's uncertainties.
Services
Buy-Sell Agreements
Key Person Insurance
Executive Bonus Plans
Business Valuations
Indexed Universal Life
ILITs
Life Insurance Audits
1035 Exchanges
Disability Insurance
Long-Term Care Insurance
Details
- Year established: 1983
Highlights and features
- We offer 40+ years of specialized expertise in advanced life insurance solutions
- Our client-centric approach prioritizes trust, transparency, and personalized service
- We maintain independence to represent 100+ top-rated insurance carriers
- Our team includes certified professionals with CFP, CLU, and CHFC designations
- We provide ongoing annual reviews to ensure evolving needs remain addressed
What people say
Exceptional service
Tremendous peace of mind
Unparalleled professionalism
Properly advised
Second to none
Services
Buy-Sell Agreements
Buy-sell agreements ensure business continuity during ownership transitions. We help establish legally binding contracts funded through life insurance policies to facilitate smooth ownership transfers during triggering events like death or disability. Our solutions protect business value while maintaining family and partner harmony through predetermined valuation frameworks.
Key Person Insurance
Key person insurance safeguards businesses from financial losses due to critical employee loss. We design policies that provide liquidity for hiring replacements, settling debts, and maintaining operations during transitional periods. Our approach ensures business continuity while protecting stakeholder interests through carefully calculated coverage amounts tailored to each organization's specific needs.
Executive Bonus Plans
Restrictive executive bonus arrangements help retain top talent through tax-advantaged life insurance benefits. We implement 162 Executive Bonus Plans that allow employers to reward key employees with long-term financial incentives while maintaining control over fund accessibility until predetermined employment periods expire, ensuring mutual benefits for employers and valued staff members.
Estate Planning
Our estate planning solutions address both simple and complex scenarios through life insurance strategies. We help clients establish irrevocable life insurance trusts, create liquidity for estate taxes, and implement wealth preservation techniques that protect assets across generations while ensuring smooth business succession and family financial security.
Life Insurance Audits
We conduct comprehensive life insurance audits to evaluate existing coverage effectiveness. Our analysis identifies gaps in protection, assesses policy performance against original objectives, and recommends optimization strategies including 1035 exchanges when appropriate, ensuring clients maintain optimal coverage aligned with evolving personal and business circumstances.
People
Ian Sachs
President
Ian Sachs leads Risk Resource with nearly a decade of experience in advanced life insurance solutions. A Certified Financial Planner and holder of multiple industry designations, he specializes in business and estate planning while maintaining active community involvement through philanthropic organizations.
Nathan S. Sachs
Founder
The late Nathan Sachs founded Risk Resource in 1983 and pioneered its approach to business succession planning. With four decades of experience and numerous industry accolades, he established the company's reputation for innovative life insurance solutions and client-focused service that continues today.
Dale Sachs
Insurance Specialist
Dale Sachs brings extensive experience in client services and underwriting to Risk Resource. With decades of industry knowledge, he specializes in implementing complex life insurance solutions while maintaining the company's commitment to personalized service and client satisfaction.
Britt Dillender
Underwriting Specialist
Britt Dillender specializes in underwriting and client services at Risk Resource. With deep expertise in life insurance products, she plays a crucial role in implementing customized solutions for business owners while maintaining the firm's high service standards.
Lindsay Holm
Life Insurance Advisor
Lindsay Holm provides expert life insurance advisory services at Risk Resource. With specialized knowledge in advanced insurance solutions, she helps clients navigate complex planning scenarios while delivering the personalized service the firm is known for.
Questions
What types of life insurance solutions do you specialize in?
We specialize in business and estate planning solutions including buy-sell agreements, key person insurance, executive bonus plans, and complex estate strategies using irrevocable life insurance trusts.
How do you help business owners with succession planning?
We create customized succession plans using life insurance products that ensure business continuity during ownership transitions, protect against key employee loss, and facilitate smooth generational transfers of business interests.
What makes your approach different from other insurance providers?
Our client-centric approach combines 40+ years of specialized expertise with complete independence to represent 100+ top-rated carriers, ensuring truly tailored solutions without product-specific sales pressure.
Do you work with both individuals and businesses?
Yes, we serve both high-net-worth individuals with complex estate needs and business owners requiring specialized protection strategies, providing personalized solutions for each client's unique circumstances.
How do you ensure ongoing policy effectiveness?
We conduct annual reviews of all implemented plans to ensure they remain aligned with evolving personal circumstances, business needs, and changing tax regulations, making adjustments as necessary.
