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What Makes Us Different?

We Are:

The team behind your team.
A team of 20+ with 300+ years of experience, and subject experts for every insurance solution.
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One source for many solutions.
Term Life (Individual & Group). Permanent Life (Universal Life; Individual and Survivorship, Variable Universal Life (VUL), Guaranteed Universal Life (GUL); Individual and Survivorship). Disability Insurance (Individual, Business, Group). Critical Care Insurance. Long Term Care Insurance. Annuities (Immediate, Fixed, Variable). Hybrids (Life/LTCi & Annuity/LTCi). Life Settlements.
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We recommend the best solutions for your clients based on their individual needs, using low-load permanent life insurance and annuities when possible. We’re all salaried employees and build our business on relationships, not sales. Like you, no one on our team accepts commissions, referral fees, or kickbacks. We know we need to earn your trust with every client, and that includes transparency. We’ll gladly provide details about our compensation at your request.
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Long-time supporters of fee-only advisor organizations with sponsorships and exhibits.


Education & CE providers.
Monthly webinars. Annual LLIS Insurance Academy. Conferences. Study Groups.

Service providers.
From your first contact through the life of your clients’ policies. With free policy reviews along the way.
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High touch. High tech.

We have a high touch, high tech approach. What does that mean for you?


Application Information Message

Keeps you up-to-date throughout the application process from interview to policy issue.

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Advance Premium E-mail

Alerts clients to expect the insurance company's premium notice soon. It's a good backup to those notices, especially in cases where clients may have moved and not provided a new address.

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Notification of Term Expiration

Sent when a client's Term policy is coming up for its conversion option, so we can begin the process of assessing the best route to take.

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