How We Work

Building Solutions That Matter

A clear approach and process drives intentional results. We look at life insurance as a means of addressing our clients’ financial needs – both now and in the future. Our focus on implementing comprehensive insurance strategies that deliver tangible results leads to better outcomes for our clients and those who are most important to them.

Our Approach

Why We Are Different

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Beyond the surface.

Seeking first to understand.

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Beyond the numbers.

Surveying all credible alternatives.

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Beyond the offers. 

Negotiating to win for our clients.

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Beyond the transaction. 

Keeping the coverage on track.

The I-C-E Conversation®

Making your coverage work for you. To ensure a comprehensive and effective insurance strategy, we address each of the following areas of insurance coverage:

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In-Force Policies

Making sure the insurance in place makes sense

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Coverage Needed

Analyzing what’s necessary to meet today’s goals

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Extra Capacity

Getting value from your insurability

Our Process

We have developed a six-step Life Insurance Confidence System® to ensure that the plan we design achieves all it should.

Step 1
Step 2
Step 3
Step 4
Step 5
Step 6
Needs Assessment
Concept Design
Product Survey
Underwriting Optimization
Policy Fulfillment
Portfolio Administration
Our process begins with an assessment of a client’s current and future needs for insurance. We determine the unfunded personal and corporate liability and consider possible non-insurance alternatives and their impact. Once the recommended amount of necessary insurance is determined, we establish consensus amongst the advisors.
We use a detailed design questionnaire to match our client’s needs with an insurance product type. We address issues of ownership and beneficiaries, as well as the premiums and potential means of payment. We’ll also ask several preliminary questions about health and insurability and then begin collecting physicians' statements.
We survey product offerings - including term insurance - conduct competitive analyses, and make initial recommendations on product providers and strategies.
We submit the client’s preliminary medical and financial information to an independent medical team and open negotiations with carriers to optimize your health classification, which can impact the premium amount paid. We review all final offers from insurance carriers and present our recommendation to our client and their advisory team for approval.
Based on the entire team’s approval, we complete final applications and provide all parties with a copy of the policy and insurance illustrations. If necessary, we will also prepare and deliver a trustee assistance package.
After a policy is written, we regularly review it and test its effectiveness. This allows us to help ensure our client’s insurance strategy stays in alignment with their goals and helps us to proactively alert them to any changes or new market offerings that are better suited for their individual situations.

Our process begins with an assessment of a client’s current and future needs for insurance. We determine the unfunded personal and corporate liability and consider possible non-insurance alternatives and their impact. Once the recommended amount of necessary insurance is determined, we establish consensus amongst the advisors.