Business Details
Custom Life Insurance Solutions for Discerning Clients
We are a specialized life insurance advisory firm serving high-income and high-net-worth individuals nationwide. Our practice focuses on delivering objective counsel, leveraging extensive market access to match clients with optimal insurance products and carriers. With a legal and financial background, we collaborate with clients' advisors to structure insurance portfolios that align with estate and financial plans.Our team of dedicated professionals supports underwriting, case design, and long-term client service. We prioritize transparency, reducing costs through policy reviews, and building lasting advisory relationships rather than transactional sales. Our expertise in complex underwriting enables us to secure coverage for clients who face challenges obtaining competitive insurance elsewhere.
Services
Term Life Insurance
Permanent Life Insurance
Whole Life Insurance
Universal Life Insurance
Survivorship Policies
Highlights and features
- We provide objective counsel with access to the full market of insurance products
- Our legal and financial expertise structures insurance within comprehensive estate plans
- We reduce costs through comprehensive policy reviews and competitive underwriting
- Our team includes certified professionals with Chartered Life Underwriter designations
- We maintain industry relationships to secure coverage for complex underwriting cases
What people say
Most knowledgeable
Trusted advisor
Outstanding service
Creative problem solver
Unsurpassed product knowledge
Services
Term Life Insurance
We offer guaranteed premium term life insurance policies with coverage periods from 10 to 30 years. Our solutions help clients match protection duration to specific financial obligations while maintaining flexibility for future adjustments. Policyholders benefit from conversion options to permanent coverage without requalification.
Permanent Life Insurance
Our permanent life insurance solutions include whole life, universal life, and indexed universal life products. These policies provide lifelong protection with cash value accumulation, offering estate planning benefits and tax-advantaged wealth transfer options for high-net-worth clients.
Survivorship Policies
We design survivorship life insurance for married couples, paying benefits upon the second spouse's death. These policies optimize estate tax deferral strategies while offering cost-effective coverage at approximately 60% of individual policies for similar protection amounts.
Policy Review Service
Our comprehensive policy reviews identify opportunities to reduce premiums or enhance protection without additional out-of-pocket costs. We analyze existing policies to ensure they remain aligned with clients' evolving financial circumstances and estate planning goals.
Estate Planning Integration
We collaborate with legal and financial advisors to structure insurance solutions that complement estate plans. Our expertise ensures proper policy ownership, beneficiary designations, and trust integration for tax-efficient asset transfer across generations.
People
Jerry Eastman
Life Insurance Specialist
JD, CLU, RHU, CHFC-certified insurance advisor with 30+ years' experience serving high-net-worth clients. Former MassMutual career agent who transitioned to independent practice to provide objective counsel and product selection.
Questions
What types of life insurance do you offer?
We offer term life, whole life, universal life, indexed universal life, and survivorship policies tailored to high-net-worth individuals' needs.
How do you help reduce insurance costs?
Our policy reviews identify opportunities to lower premiums or increase coverage through competitive market comparisons and underwriting optimizations.
Can you help with existing insurance policies?
Yes, we analyze existing policies to ensure they remain optimal and often find ways to improve coverage or reduce costs.
How do you work with financial advisors?
We collaborate with legal and financial professionals to ensure insurance solutions integrate seamlessly with comprehensive estate plans.
What makes you different from other agents?
As independent advisors with legal/financial credentials, we provide objective counsel focused on long-term client relationships rather than product sales.
Do you work with out-of-state clients?
Yes, we serve high-net-worth individuals nationwide through our network of industry relationships and digital communication tools.
